Supplemental insurance plans can help fill the gaps created by copayments, deductibles, loss of income and various out-of-pocket expenses not addressed by major medical plans.   

Optional supplemental plans include: 

• hospitalization, cancer,
• critical illness,
• personal accident,
• sickness,
• and short-term disability.  

As an employee, you receive basic benefits such as medical insurance from the City, but even with this coverage there may be gaps in your insurance.      

Supplemental insurance policies supplement primary health plans by providing other benefits to you. This money can be used to fill in gaps for costs such as deductibles, out-of-pocket expenses and loss of earnings.

With supplemental insurance plans, you choose the types of coverage you want and pay for them through payroll deduction. And because your premiums can be paid on a pre-tax basis, you may save tax dollars or even be able to add benefits without affecting your take-home pay.