Supplemental Health Benefits

Charah offers several ways to supplement your medical plan coverage. This additional insurance can help cover unexpected expenses, regardless of any benefit you may receive from your medical plan. Coverage is available for yourself and your dependents and offered at discounted group rates.

Products

Sun Life

Accident Coverage

Accident insurance is an excellent benefit for those who have active lifestyles or children involved in sports or other extracurricular activities.

Wellness Benefit

WELLNESS BENEFIT (payable once per year for each covered family member whom completes certain wellness screenings such as a pap test, cholesterol test, mammogram, colonoscopy, or stress test): $50

What's included

Wellness Benefits (payable once per year for each covered family member whom completes certain wellness screenings such as a pap test, cholesterol test, mammogram, colonoscopy, or stress test): $50
You will receive a cash benefit for covered injuries and related services for accidents that occur outside of work.
Benefits are paid on a schedule of benefits regardless of any other coverage you have, and you may spend it any way you choose.
Accident coverage is especially helpful for families with young children and those who are active.

Sun Life

Hospital Indemnity Coverage

Expenses associated with a hospital stay can be a financial burden. Having the right coverage in the right place before you experience a sickness or injury can help eliminate any financial concerns and provide support at a time when it is needed most.

What's included

Hospital indemnity pays a cash benefit for hospital admissions due to a covered accident, illness, or pregnancy.
Popular with those planning to have children, who are older or have conditions that subject them to a higher risk of hospitalization, and/or are covered by an HDHP.
Pre-existing conditions are waived!

Sun Life

Critical Illness Coverage

No one knows what lies ahead on the road through life. Will you be diagnosed with cancer? Will you suffer a stroke or the complete loss of hearing? The signs pointing to a critical illness are not always clear and may not be preventable, but critical illness coverage helps offer financial protection in the event you are diagnosed. Critical illness insurance through Sun Life pays you cash to use in any way you need if you are diagnosed with a covered condition.

Guaranteed Issue

You have the choice of $10,000 or $20,000 in guaranteed issue coverage. Spouses can be covered at 100% and children at 50% of your elected amount.

Wellness Benefit

A $50 wellness benefit is payable each year for enrollees and their covered dependents for receiving a qualifying preventive screening.

What's included

Critical illness provides you a lump-sum benefit upon diagnosis of a covered illness.
You have the choice of $10,000 or $20,000 in guaranteed issue coverage. Spouses can be covered at 100% and children at 50% of your elected amount.
Rates are age-banded. Please refer to the benefit summary for a full rate table.
Pre-existing conditions are waived!
A $50 wellness benefit is payable each year for enrollees and their covered dependents for receiving a qualifying preventive screening.