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Pet Benefit Solution

Your pet deserves the best care, and you shouldn’t hesitate to give it to them! From accident and illness insurance for that trip to the emergency clinic, to affordable wellness plans that pay for routine care, Wishbone has your back.

With Wishbone Accident & Illness Plans, you get 70% reimbursement on accidents and illnesses. Plus, chat with a veterinarian 24/7 with pet telehealth.

With Wishbone Wellness Plans, you get reimbursement on routine wellness care such as annual check-ups, vaccinations, preventatives, and more.

Both plans offer:

  • Fast claims processing
  • Visit any licensed veterinarian
  • Easy-to-use member account
  • And so much more!

Wishbone offers high-value, easy-to-use pet health insurance and wellness plans at exclusive employee benefit rates. Fetch a quote today!

Enrollment: www.wishboneinsurance.com/franklincovey
Customer Service Phone Number: 800-887-5708
Customer Service Email Address: [email protected]
Wishbone intro video: https://www.youtube.com/watch?v=xKDeePrzTHs
Wishbone FAQ’s: https://www.petbenefits.com/pdf/employee~2FFAQS_WB.pdf

Supplemental Medical

Just as it sounds, Supplemental Medical plans can help you pay for costs you may incur after an accidental injury, illness or hospitalization. These plans are 100% voluntary programs you can elect.

You may supplement your Medical and Life/AD&D insurance coverages with Voluntary Accident, Critical Illness and/or Hospital Indemnity Insurance. You elect these benefits in the ADP benefits enrollment system and will have the cost deducted from your paycheck. Voya is the insurance provider and will provide you with a lump-sum payment if you or your enrolled family members experience a covered accident-related injury, sever illness or qualified hospital visit.

These Supplemental Medical policies also provide you a pay-out for several types of annual wellness screenings, including an annual exam. Even more reason to schedule your preventive visit each year.

Visit Voya’s Benefits Resource Center to learn more about this benefit and review instructions on how to file a claim after your effective date. Visit
Voya.com/EBRC/FranklinCovey or call 1-877-236-7564.

Also once you’ve enrolled with Voya for any of the Supplemental Medical programs, your coverage includes free Travel Assistance services ranging from emergency medical transport, medical assistance, travel assistance and security assistance. Click here to learn more about Voya’s Travel Assistance support.

Finally, get rewarded for completing health screenings (ranging from dental, vision, medical, blood tests, x-ray and so much more). Once you enroll in a Voya Supplemental Medical program, you can receive $50 for each covered individual once you submit a claim. Learn more about Voya’s Wellness Benefit here.

Accident Insurance

Accidents can happen at anytime, anywhere — and always when you least expect them.

Accident Insurance provides a lump-sum payment if you or your enrolled family members are injured in an accident. You can use the money however you wish, whether it’s to help pay medical expenses or just daily living expenses.

Accident insurance covers qualifying injuries, which might include a broken limb, loss of a limb, burns, lacerations or paralysis. In the event of your accidental death, Accident insurance pays out money to your designated beneficiary. While health insurance companies pay your provider or facility, Accident insurance pays you directly.

Learn more about your covered Accident Insurance benefits here. This includes injuries and treatments normally covered and how much you’d receive back from Voya.

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    How Does Accident Insurance Work?

    Accident insurance policies can provide you with a lump sum paid directly to you that will help pay for a wide range of situations, including initial care, surgery, transportation and lodging, and follow-up care. Here’s how it works:

    • A set amount is payable based on the injury you suffer and the treatment you receive.
    • Benefits are payable directly to you (unless you specify otherwise) and can be used as you see fit.
    • Coverage is available for you, your spouse and eligible dependent children.
    • You do not need to answer medical questions or have a physical exam to get basic coverage.
    • Accident insurance covers injuries that happen on the job or off the job — unlike workers’ compensation, which only covers on-the-job injuries.
    • Benefit payments are not reduced by any other insurance you may have with other companies

    Examples of covered services include:

    • Emergency Room
    • Hospitalization
    • Doctor’s visits

    Additional benefits available for certain injuries such as:

    • Dislocations
    • Fractures
    • Burns
    • Lacerations

    Critical Illness Insurance

    While Medical insurance is vital, it doesn’t cover everything. If you suffer from a serious illness, such as cancer, stroke or a heart attack, Medical insurance may not provide the coverage you need. Critical Illness insurance can ease the financial strain and help you focus on your recovery.

    Learn more about your covered Critical Illness Insurance benefits here. This includes conditions normally covered and how much you’d receive back from Voya.

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      How Will a Critical Illness Claim Get Paid?

       

      After purchasing Critical Illness insurance, if you suffer from one of the serious illnesses covered by your policy, you’ll be paid in a lump sum. The payment will go directly to you instead of to a medical provider. You can qualify for coverage without having to answer any health questions.

      Examples of major conditions that are covered under this policy:

      • Cancer
      • Heart attack
      • Stroke
      • Major organ failure
      • End-stage renal (kidney) failure
      • Alzheimer’s diseases

      The payment you receive can be used for many things including:

      • Child care costs
      • Medical expenses
      • Travel expenses for you and your family
      • Lost wages from missed time at work
      • Living expenses

      Critical Illness Insurance from Voya provides a lump-sum payment to ensure you and your family have financial support in a difficult time. Spend less time worrying about money and more time focusing on healing.

      Below are some quick snapshots of the benefit coverage:
      Employee Total Policy Amount: $10,000 or $20,000
      Spouse/DP Coverage: 50% of employee
      Child Coverage: 50% of employee

      Hospital Indemnity Insurance

      Hospital Indemnity insurance is a plan designed to pay for the costs of a hospital admission that may not be covered by other insurance. The plan covers employees who are admitted to a hospital or ICU for a covered sickness or injury. Even if your medical insurance covers most of your hospitalization, you can still receive payments from your Hospital Indemnity insurance plan to cover extra expenses while you recover.

      Being hospitalized is often unexpected and costly, but Hospital Indemnity Insurance from Voya can provide you with some financial protection and peace of mind. Hospital Indemnity Insurance provides you and your covered dependents with a lump-sum payment if you’re hospitalized as the result of a serious accident or illness, or as part of a routine newborn child delivery.

      Learn more about your covered Hospital Indemnity Insurance benefits here. This includes normally covered services and how much you’d receive back from Voya.

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        How Does Hospital Indemnity Insurance Work?

        You pay monthly premiums for your Hospital Indemnity insurance plan. If you are admitted to the hospital for an injury or illness, your Hospital Indemnity plan makes cash payments to you. And with the payments going directly to you, you can use these emergency funds to pay for costs not covered by your Medical insurance, Medical insurance deductibles, copays and coinsurance, child care expenses while you are in the hospital, or cost-of-living expenses as you recover.

        The payout amount does not depend on the amount of your hospital charges or other insurance coverage and benefits you may have. However, the benefit payout you receive varies based on the length and type of hospital care you receive—see the plan benefit summary for more details.

          IMPORTANT: Hospital indemnity insurance is a fixed indemnity policy, not health insurance

          The fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.

          • The payment you get isn’t based on the size of your medical bill.
          • There might be a limit on how much this policy will pay each year.
          • This policy isn’t a substitute for comprehensive health insurance.
          • Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.

          Looking for comprehensive health insurance?

          Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options. To find out if you can get health insurance through your job, or a family member’s job, contact the employer.

          Questions about this policy?

          For questions or complaints about this policy, contact your State department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.” If you have this policy through your job, or a family member’s job, contact the employer.