Citi Benefits Handbook
Supplemental Medical Plans
Citigroup offers three supplemental medical plans:
  • Accident Plan – helps fill financial gaps caused by expenses related to an injury caused by a covered accident. Benefits are paid for initial and follow-up care, medical imaging, X-rays, dislocations, fractures, physical therapy and more.
  • Critical Illness Plan – Offers two levels of coverage to help pay the out-of-pocket costs associated with the diagnosis of a critical illness. The plan pay cash benefits to you if you are diagnosed with a heart attack, stroke, end stage renal failure, invasive cancer and more, and;
  • Hospital Indemnity Plan – Pays benefits to you for an inpatient hospital admission and daily hospital, rehabilitative, mental disorder and substance abuse confinements, and more.
While Citi offers comprehensive medical coverage, there are expenses associated with an accidental injury, critical illness and hospitalization that your medical plan may not cover. The supplemental medical plans add a layer of financial protection by paying cash directly to you to help cover out-of-pocket medical expenses, such as home health care and rehabilitation or copays, coinsurance and deductibles. You can also use the money to cover everyday expenses, such as childcare, mortgage payments and utility bills.
Coverage under the supplemental medical plans is insured under a group insurance policy through Aetna. You pay the full cost of coverage through after-tax payroll deductions and benefits are determined and paid entirely by Aetna.
You can enroll in one, two or all three supplemental medical plan coverages, even if you do not enroll in a Citi medical plan.
Supplemental medical plans are not health insurance. They provide limited benefits and are not a substitute for comprehensive medical coverage. Lack of comprehensive medical coverage (or other minimum essential coverage) may result in an additional payment with your state taxes. Benefit payments are not intended to cover the full cost of medical care. The payments are in addition to any other applicable health coverage. Supplemental medical plans do not count as minimum essential coverage under the Affordable Care Act.