Supplemental health plans are a smart way to boost medical coverage with cash benefits if you or a covered dependent gets sick or injured. The amount you receive depends on the condition and the specific plan. Payments go directly to you, so you can use them however you need. Guardian administers the plans. For information on monthly rates and benefit amounts, go to My Lithia Benefits.

Eligibility

Supplemental health plans are available to all full-time team members and their eligible dependents.

If you or a covered dependent is injured (off the job) or needs covered medical tests, services, or treatment—including ER visits or life/dismemberment losses—you’ll get a lump-sum payment.

The amount depends on the severity of the injury. These payments are in addition to any other coverage you have. To submit a claim, complete the Accident Insurance Claim Form.

If you're diagnosed with a serious medical condition like cancer, heart attack, stroke, severe burns, paralysis, or advanced Alzheimer's, you'll get cash benefits. The payment is yours to use however you need, and it's in addition to any other coverage you have.

You can choose coverage of up to $30,000 for yourself. The coverage for your spouse/domestic partner can't be more than 50% of your coverage amount, and coverage for children (up to age 26) cannot be more than 25%. To submit a claim, complete the Critical Illness Insurance Claim Form.

If you or an eligible family member is hospitalized, you can cover out-of-pocket costs, like health insurance deductibles, copays, or whatever you need. The plan pays a flat amount when you are admitted:

• $1,000 for hospital admission
• $100 per day for hospital/ICU confinement (up to 30 days)
• $1,000 for outpatient surgery

Hospital indemnity insurance is in addition to any other coverage you may already have. To submit a claim, complete the Hospital Indemnity Insurance Claim Form.