Critical Illness
Protecting you from unexpected illnesses.
Your financial security relies on your ability to remain healthy. If you or a family member develops a critical illness such as Parkinson’s or Alzheimer’s disease, or are struck by a sudden illness like a heart attack or stroke, how will you continue to pay your bills? You can plan for the unplanned with Hy-Vee’s group Critical Illness Insurance from Kemper.*
What it is...
A major illness like a heart attack or an invasive cancer could prevent you from working. It can result in unforeseen bills and leave you buried under out-of-pocket expenses you haven’t planned for. Critical Illness Insurance fills in the gaps so you can focus on recovery. Critical Illness Insurance is not traditional medical insurance. It pays you, not your doctors and hospitals so you decide how to use benefit dollars.
Critical Illness coverage works in two ways. First, you receive cash benefits when a covered critical illness occurs. Second, it helps keep you healthy before a critical illness strikes by paying for a wellness screening once annually for each person on your plan. You can choose how much coverage you want because we offer plans at the $10,000 and $20,000 benefit levels. Covered dependents will receive 50% of the employee benefit levels.
What it covers...
| • Heart attack | • Advanced Parkinson’s disease |
| • Stroke | • Benign brain tumor |
| • Invasive cancer | • Complete blindness |
| • Coronary artery bypass surgery | • Complete hearing loss |
| • End stage renal failure | • Paralysis |
| • Carcinoma in situ | • And more** |
| • Advanced Alzheimer’s disease | |
Note: A percentage of the basic benefit amount is payable for each covered person for coronary artery bypass surgery, carcinoma in situ, and advanced Alzheimer’s disease.
* Limitations apply.
** This list is just an overview of coverage. Please see actual policy to determine exact plan coverage.
Weekly premiums
| CRITICAL ILLNESS |
| LOW PLAN - $10,000 BASIC BENEFIT AMOUNT |
| NON-TOBACCO | TOBACCO |
| Ages | EE | EE+SP | EE+CH | F | Ages | EE | EE+SP | EE+CH | F |
| 18-29 | $1.29 | $2.13 | $1.29 | $2.13 | 18-29 | $1.83 | $2.94 | $1.83 | $2.94 |
| 30-39 | $2.19 | $3.48 | $2.19 | $3.48 | 30-39 | $3.31 | $5.17 | $3.31 | $5.17 |
| 40-49 | $3.89 | $6.03 | $3.89 | $6.03 | 40-49 | $6.75 | $10.32 | $6.75 | $10.32 |
| 50-59 | $6.77 | $10.35 | $6.77 | $10.35 | 50-59 | $11.30 | $17.15 | $11.30 | $17.15 |
| 60+ | $10.90 | $16.54 | $10.90 | $16.54 | 60+ | $18.53 | $27.99 | $18.53 | $27.99 |
| HIGH PLAN - $20,000 BASIC BENEFIT AMOUNT |
| NON-TOBACCO | TOBACCO |
| Ages | EE | EE+SP | EE+CH | F | Ages | EE | EE+SP | EE+CH | F |
| 18-29 | $2.18 | $3.47 | $2.18 | $3.47 | 18-29 | $3.26 | $5.08 | $3.26 | $5.08 |
| 30-39 | $3.97 | $6.16 | $3.97 | $6.16 | 30-39 | $6.22 | $9.53 | $6.22 | $9.53 |
| 40-49 | $7.38 | $11.26 | $7.38 | $11.26 | 40-49 | $13.09 | $19.83 | $13.09 | $19.83 |
| 50-59 | $13.14 | $19.91 | $13.14 | $19.91 | 50-59 | $22.20 | $33.50 | $22.20 | $33.50 |
| 60+ | $21.39 | $32.28 | $21.39 | $32.28 | 60+ | $36.65 | $55.18 | $36.65 | $55.18 |
Contact Midwest Heritage at 515-343-5047 and a customer service representative will assist you with coverage.
How do I enroll?
• During Open Enrollment (Fall 2023)
• First 60 days of employment or first 60 days following a Full Time/Regular Time to Part Time status change
• First 30 days following a qualifying life event
• Enroll online at hy-veePTenroll.com
Midwest Heritage Insurance Service Team
800-622-0057
csr@mhbankins.com