Even with comprehensive coverage from your primary medical plan, you will still have some out-of-pocket expenses if you get critically ill, are seriously injured, or need to be hospitalized. Supplemental medical benefits, through Aetna, offer additional protection to help you cover costs that arise in these situations.



Supplemental Medical benefits are available to team members budgeted to work at least 40 hours per pay period and their eligible dependents. You may enroll in any combination of the following plans as a new hire, during Annual Enrollment, or if you have a qualifying life event.

You pay the full cost of coverage through post-tax, biweekly paycheck contributions. To see your contributions and enroll, log in to the Inova Benefits Center website.

2024 Supplemental Medical Plans

Accident insurance helps protect you from unexpected financial stress if you or a covered family member has an accident.

Critical Illness Insurance

Administered by: Aetna

When a serious illness strikes, critical illness insurance provides financial support to help you through a difficult time.

Hospital Indemnity Insurance

Administered by: Aetna

A trip to the hospital can be stressful, and so can the bills. Hospital indemnity insurance helps cover your copays, deductibles, and other out-of-pocket costs.

Key features at a glance

Supplemental medical plans provide:

Cash benefits

that you can use to pay expenses not covered by your primary medical coverage.


to spend your benefit payment on whatever costs you’re facing, including medical bills, transportation costs, childcare fees, and daily living expenses.

Financial protection

against the high costs often associated with accidental injuries, a serious illness, or a hospital stay.

An inexpensive way to supplement

a high-deductible health plan, giving you a cost-effective package of coverage that may minimize your overall medical expenses.


Note: There are no waiting periods, pre-existing conditions limitations, age restrictions or benefit reductions based on age.

Keep in mind

On their own, supplemental medical plans don’t provide comprehensive medical coverage for your day-to-day health care needs. Rather, they’re intended to supplement the coverage provided by your primary medical plan.


Accident Insurance

Accident insurance supplements your primary medical plan by providing cash benefits in cases of covered accidental injuries. You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).

Benefits are paid:

  • Directly to you, unless assigned to someone else
  • In addition to any other coverage, like your primary medical plan or an Accidental Death & Dismemberment (AD&D) plan

You receive a cash benefit up to a specific amount for:

  • Accidental death
  • Ambulance service
  • Dismemberment
  • Dislocation or fracture
  • Hospital admission
  • Intensive care
  • Medical expenses
  • Physical therapy, and more!

The actual benefit amounts depend on the type of injuries you have and the medical services you need.


Critical Illness

Critical Illness coverage protects against the financial impact of certain illnesses, such as a heart attack, cancer, or stroke. If you experience a covered illness, you receive a lump-sum benefit payment to help cover out-of-pocket expenses for your treatment that are not covered by your medical plan. You also can use the money to take care of other expenses, such as housekeeping services, special transportation, and childcare.

The plan also pays benefits for a recurrence of the same or an additional diagnosis of a covered illness or condition as long as diagnoses are separated by 30 days. Enrolled dependents receive 50% of the team members benefit choice. You can cover your children at no additional cost.

Choose from three benefit coverage options:

  • $10,000
  • $20,000
  • $30,000

Benefits are paid:

  • Directly to you, unless assigned to someone else
  • In addition to any other insurance you have

Hospital Indemnity

A hospital indemnity plan provides supplemental payments to help offset your share of the costs associated with a covered hospitalization and related services, such as ambulance transportation, surgery, and certain inpatient or outpatient treatments. The plan pays higher benefits if you choose care in an Inova-designated facility. Inova pays the premium for the Basic Hospital Indemnity plan for team members and their families enrolled in the Innovation Health HSA HDP (High Deductible Plan).

Choose from two benefit coverage options:

  • Basic
  • Enhanced

Benefits are paid:

  • Directly to you, unless assigned to someone else
  • As a lump sum or on a benefit schedule
  • In addition to any other insurance you have