Additional Benefits
Supplemental Medical Plans pay a fixed, one-time benefit amount which you can use for any purpose you like. It can help pay for expenses not covered by your health care plan (such as your deductible or copays), lost income, childcare, travel to and from treatment, home healthcare costs, or any of your regular household expenses.
What’s great about these plans are that they complement your existing health care coverage, filling in the gaps and offering financial support where it’s needed most. The best part? It’s entirely up to you. These plans are 100% voluntary, allowing you to choose the coverage that fits your lifestyle and priorities. It’s insurance that puts you in control, providing peace of mind when life takes unexpected turns.
Accident Insurance
On his way to work, John was in a car accident.
- He was transported by ground ambulance to the emergency room and admitted to the hospital.
- He had a dislocated hip and spent five days in the hospital.
- He had several physical therapy sessions before returning to work.
- John submitted his accident claim and received $5,850 from his accident insurance coverage.
- He used it towards his deductible, copay, and supplemental income for his missed workdays.
Sample Reimbursements
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Sample Reimbursements
Ground Ambulance: $300
Emergency Room: $150
X-Ray: $50
MRI: $150
Hospital Stay – Admission + 5 days: $2,000
Dislocated Hip: $3,000
Appliances: $100
Physical Therapy (4 sessions): $400
Total Benefit Paid: $5,850
What Accident Insurance Covers
● Emergency Room Visits
● Hospital Stays
● Fractures and Dislocations
● Medical Exams – including major diagnostic exams
● Physical Therapy
● Transportation and Lodging – if you are away from home when the accident happens
Benefit Highlights
Critical Illness
Tom suffered a relatively small stroke.
- He was hospitalized for five days.
- He began rehab to get back to where he was physically before the stroke.
- Tom submitted his claim and received a lump-sum payment of $10,000.
Sample Reimbursements
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Sample Reimbursements
Employee and Spouse: $5,000 – $30,000 in $5,000 increments
Children: $1,000 – $15,000
What Critical Illness Insurance Covers
● Heart Attack
● Multiple Sclerosis
● Stroke
● Alzheimer’s Disease
● Parkinson’s Disease
● Major Organ Failure
Benefit Highlights
Hospital Indemnity
In April, Sarah unexpectedly needed back surgery.
- Sarah was admitted to the hospital for surgery.
- After surgery, she began physical therapy to increase her strength and flexibility.
- Sarah submitted her claim and received a lump-sum payment of $1,000.
Sample Reimbursements
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Sample Reimbursements
Total Benefit Paid: $1,000
What Hospital Insurance Covers
● Hospital Admission
● Hospital Confinement
● Hospital Intensive Care
● Surgical Care
● Medical Diagnostic and Imaging
● Transportation and Lodging
Benefit Highlights
Plan Information
Plan Name: XXXX
Policy Number: #XXXX
Effective Date: XX/XX/XXXX
Network: XXXX
Legal Assistance Program
Whether you need a simple will or your legal needs are more extensive, this program offers affordable legal services for a wide variety of legal matters. Telephone and in-person legal consultations are available. And your coverage is portable, so you can continue to take advantage of low rates even if you leave the Company.
Plan Benefits
● Legal Consultation and Advice
● Court Representation
● Dedicated Law Firm
● Legal Document Preparation and Review
● Letters and Phone Calls Made on Your Behalf
● Speeding Ticket Assistance
● Will Preparation
● 24/7 Emergency Access
Identity Theft Insurance
Unfortunately, identity theft is on the rise, but identity theft monitoring can help outsmart these criminals, preventing fraud, detecting fraudulent activity daily and resolving identity theft issues you may face. Also included is a $1,000,000 identity fraud insurance policy to cover out-of-pocket expenses relating to your identity theft.
Plan Benefits
● Identity Consultation and Advice
● Dedicated Licensed Private Investigators
● Identity and Credit Monitoring
● Social Media Monitoring
● Child Monitoring (family plan only)
● Complete Identity Restoration
● Identity Threat and Credit Inquiry Alerts
● 24/7 Emergency Access
Plan Information
Plan Name: XXXX
Policy Number: #XXXX
Effective Date: XX/XX/XXXX
Network: XXXX
LifeBalance Discount Program
Get discounts at thousands of businesses focused on your well-being
The LifeBalance Program works like an online coupon book, offering discounts at thousands of participating businesses nationwide. Discounts are available at health clubs, fitness studios, online retailers, sporting goods stores, amusement parks, movie theaters, hotels, ski
resorts, and more.
Create an account to access discounts
- Navigate to tarsusrx.LifeBalanceProgram.com.
- Enter your preferred email address, then click “Let’s Get Started”
- Enter all required info, create a password for your account, answer the prompts, and then click “Sign In.”
Once you’ve set up your account, you can browse the discounts by clicking the “Find Savings By Interest” tile on the home page. You can also use the search box to look for businesses by name or location.
For household members too!
This benefit is also available to family members in your household, so encourage them to create their free accounts lifebalanceprogram.com
Home/Auto Insurance
This voluntary benefit program provides you with access to special savings on auto and home insurance. Plus, you can choose the convenience of paying your premiums through automatic payroll deductions. You may start or stop your coverage at any time throughout the year, and your coverage stays with you even if you leave the Company.
Plan Information
Plan Name: XXXX
Policy Number: #XXXX
Effective Date: XX/XX/XXXX
Network: XXXX
Legal Assistance Program
Whether you need a simple will or your legal needs are more extensive, this program offers affordable legal services for a wide variety of legal matters. Telephone and in-person legal consultations are available. And your coverage is portable, so you can continue to take advantage of low rates even if you leave the Company.
Plan Benefits
● Legal Consultation and Advice
● Court Representation
● Dedicated Law Firm
● Legal Document Preparation and Review
● Letters and Phone Calls Made on Your Behalf
● Speeding Ticket Assistance
● Will Preparation
● 24/7 Emergency Access
Identity Theft Insurance
Unfortunately, identity theft is on the rise, but identity theft monitoring can help outsmart these criminals, preventing fraud, detecting fraudulent activity daily and resolving identity theft issues you may face. Also included is a $1,000,000 identity fraud insurance policy to cover out-of-pocket expenses relating to your identity theft.
Plan Benefits
● Identity Consultation and Advice
● Dedicated Licensed Private Investigators
● Identity and Credit Monitoring
● Social Media Monitoring
● Child Monitoring (family plan only)
● Complete Identity Restoration
● Identity Threat and Credit Inquiry Alerts
● 24/7 Emergency Access
Discount Program
Get discounts at thousands of businesses focused on your well-being
The LifeBalance Program works like an online coupon book, offering discounts at thousands of participating businesses nationwide. Discounts are available at health clubs, fitness studios, online retailers, sporting goods stores, amusement parks, movie theaters, hotels, ski
resorts, and more.
Create an account to access discounts
- Navigate to tarsusrx.LifeBalanceProgram.com.
- Enter your preferred email address, then click “Let’s
Get Started” - Enter all required info, create a password for your
account, answer the prompts, and then click “Sign
In.”
Once you’ve set up your account, you can browse the discounts by clicking the “Find Savings By Interest” tile on the home page. You can also use the search box to look for businesses by name or location.
For household members too!
This benefit is also available to family members in your household, so encourage them to create their free accounts lifebalanceprogram.com
Home/Auto Insurance
This voluntary benefit program provides you with access to special savings on auto and home insurance. Plus, you can choose the convenience of paying your premiums through automatic payroll deductions. You may start or stop your coverage at any time throughout the year, and your coverage stays with you even if you leave the Company.