Voluntary Medical Benefits
Prepare Today to be Better Protected Tomorrow
Prudential Accidental Injury, Critical Illness and Hospital Care Insurance
While you can’t predict life’s unexpected events, you can plan for them by choosing benefits that can help protect your financial future.
Regular expenses, big and small, can add up. Think about your ability to pay for those expenses if you or your family member were seriously injured as a result of a covered accident or experienced a covered critical illness or hospitalization.
Prudential’s Accidental Injury, Critical Illness and Hospital Care insurance can supplement your Prudential medical plan and provide you and your family with the coverage and additional financial protection you may need for expenses associated with an unplanned covered accident, illness or hospitalization.
These plans pay benefits directly to you. What you do with the money is all up to you.
Our plans allow domestic partners on eligible Medical, Dental, Vision, Life Insurance and Supplemental health benefits. Review thee Qualifying Life Events page to download the required affidavit that should be submitted to benefits@eab.com.
Need More Financial Protection?
Use the payment for what matters most. These benefits can help you pay for costs such as:
- Medical copays and deductibles
- Travel to see a specialist
- Child care
- Help around the house
- Alternative treatments
Simple. Easy. Cost-effective. Flexible.
Receive additional financial protection when you enroll in an Prudential Accidental Injury, Critical Illness and/or Hospital Care plan alongside your Prudential health plan.
Not planning to enroll in an Prudential health plan this year? Not a problem. You can still enroll in Prudential Accidental Injury, Critical Illness and/or Hospital Care if you’re eligible for these benefits.
Voluntary Critical Illness Plan
The Prudential Critical Illness Plan pays a lump sum cash benefit directly to the insured upon the first diagnosis, after the coverage effective date, of a covered condition from a single list of eligible conditions. A sample of covered conditions include Cancer, Heart Attack, Stroke, Multiple sclerosis, Lupus, Type 1 Diabetes, Parkinson’s Disease, Renal (kidney) failure, Major organ failure, Paralysis, Amyotrophic Lateral Sclerosis (Lou Gehrig’s disease), Blindness and Coronary Artery Disease (surgery).
There is also a Health Screening Benefit of $100 per covered person for eligible preventive care screenings. Examples include, but are not limited to, eye exam, mammography, bone marrow testing, pap smear (for women over age 18), PSA test, skin cancer screening, colonoscopy, and certain blood tests.
The quickest way to submit a claim is to register on the Prudential MyBenefits mobile app or on the member portal at mybenefits.prudential.com to submit and track claims and sign up for direct deposit.
Voluntary Accidental Injury Plan
The Prudential Voluntary Accident Plan pays a lump sum cash benefit directly to the insured for a broad range of accident treatments and conditions, based on the schedule provided below.
This is a group accident 24-hour insurance policy. Benefits provided are not intended to cover all medical expenses. This is not a substitute for comprehensive health insurance.
There is also a Health Screening Benefit of $100 per covered person for eligible preventive care screenings.
The quickest way to submit a claim is to register on the Prudential MyBenefits mobile app or on the member portal at mybenefits.prudential.com to submit and track claims and sign up for direct deposit.
Hospital Care Indemnity
The Prudential Hospital Indemnity plan pays a lump sum directly to the insured for a planned or unplanned hospital stay for an illness, surgery, injury or having a baby. There is a lump sum benefit for admission and a daily benefit for a covered stay.
- Hospital Admission: benefits are payable for the initial day of your stay. There are no maximum stays per plan year, but they must be separated by 30 days in a row. Covered person must be admitted as an inpatient to the hospital. Excludes treatment in an emergency room or provided on an outpatient basis, or for re-admission for the same covered injury or illness (including chronic conditions).
- Hospital Intensive Care Unit (ICU) Stay and Hospital Stay (Daily): benefits are payable per day, limited to 30 days per plan year. Covered person must be admitted as an inpatient and confined to the hospital. If eligible for both benefits, only one (1) benefit will be paid per day, whichever is greater.
- Other payments: There may be payments for Observation Units, Newborn Routine Cars and other daily payments for substance abuse, mental disorders and rehabilitation unit stays.
Your coverage includes a health screening benefit of $50 for Hospital Indemnity Insurance that is payable once per calendar.
The quickest way to submit a claim is to register on the Prudential Supplemental App or on the member portal at mybenefits.prudential.com to submit and track claims and sign up for direct deposit.
Need to File a Claim?
You can file a claim on the mobile app or member portal. Click on the flyer here to learn more.
- Coverage End Date – Your coverage will be cancelled at the end of the month you terminate.
- Coverage Portability – You may be eligible to port your Prudential Accident, Critical Illness and Hospital Care plans into individual policies.
- Portability Deadline – You must complete the Portability Coverage Election Form and return this to Prudential (along with the payment for the first premium for the portability coverage) no later than 30 calendar days after your coverage under the policy ends.
Voluntary plans offered by Prudential
Policy Number:70313
Prudential Customer Service: 800.607.3366
Claim Submission: mybenefits.prudential.com