Supplemental
Benefits
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How Supplemental Benefits Work
These plans pay money directly to you when a covered event occurs. You choose your coverage and pay premiums through payroll deductions. Use the cash for anything, like medical bills, childcare, or rent. You can enroll even if you are not in an ExamWorks medical plan. For covered events, waiting periods and benefits amounts, please refer to your 2026 ExamWorks Benefits Guide, which can be found on Paycom Self-Service.
Accidental Injury Insurance
Accidents can happen to anyone at any time. Major medical insurance will help with many medical expenses, but you could be left with deductible, copayments and out-of-pocket expenses. Cigna Accidental Insurance pays cash benefits directly to you as an added financial resource to help with medical costs or ongoing living expenses throughout the different stages of care.
Examples include emergency treatment, X rays, fractures, dislocations, stitches, and follow up visits. Benefits are paid on top of your medical plan. Review the Benefits Guide for the schedule of benefits and limits.
DID YOU KNOW?
Many everyday mishaps qualify, like a broken wrist from a fall or a child’s sports injury.
For the full summary of all available coverages, please access the Summary of Benefits for Accidental Injury Insurance in Paycom.
Critical Illness Insurance
Chances are you or someone you know has been diagnosed with a critical illness such as cancer, a heart attack or stroke. Because these emergencies or illnesses often incur greater than average medical costs, Cigna Critical Illness Insurance provides lump-sum cash benefits to help cover those gaps where traditional health insurance may fall short.
Common examples include heart attack, stroke, cancer, and certain organ failures. The money is yours to use, whether for deductibles, travel to treatment, or household expenses. Some conditions may include additional payouts for recurrence or progressions.
For the full summary of all available coverages, please access the Summary of Benefits for Critical Illness Insurance in Paycom.
Hospital Care Insurance
Hospital Care Insurance, sometimes called Hospital Indemnity, is designed to provide you with cash benefits to help with hospitalizations. While the policy will not cover sickness or disease, it will cover hospital admission, confinement, intensive care and length of stay. Cigna Hospital Care Insurance can be especially beneficial for expectant mothers or employees with upcoming surgeries who anticipate a hospital stay.
Typical benefits include admission, daily confinement, intensive care, and sometimes observation. This can help offset costs from your deductible or lost income.
For the full summary of all available coverages, please access the Summary of Benefits for Hospital Care Insurance in Paycom.
How To File A Claim
- Log in to mycigna.com or call Cigna to start a claim.
- Provide details and any required documents, like itemized bills or diagnosis codes.
- Track your claim online and set up direct deposit for faster payment.
- Keep your beneficiary and contact information up to date.
Learn The Lingo
Fixed benefit: A set dollar amount paid for a covered event.
Lump sum: One time payment you receive after diagnosis.
Observation stay: Short hospital stay for monitoring that may qualify under your plan.
Pre-existing condition limitation: A rule that may delay or limit benefits for recent conditions.
Exclusion: A situation or service the plan does not cover.
Continue Your Benefits Journey
Your Rights
This website highlights some of your benefit plans. Your actual rights and benefits are governed by the official plan documents. If any discrepancy exists between this communication and the official plan documents, the plan documents will prevail. The company reserves the right to change any benefit plan without notice. Benefits are not a guarantee of employment.
Benefits Department
For information about any of the benefits you see, reach out to benefits@examworks.com
