2025 Hospital Indemnity

For 2025, Effingham County Schools will offer Hospital Indemnity coverage through Unum. The Unum Hospital Indemnity plan is designed to provide financial protection for covered individuals by paying benefits for hospitalizations and, in some cases, for treatment related to accidents or illnesses. Employees can use these benefits to cover out-of-pocket expenses and additional bills that may arise. Lump sum payments are made directly to the employee according to the coverage amounts specified in the schedule of benefits. There are no exclusions for pre-existing conditions, and pregnancy is treated like any other medical condition.

 

Premium Information

Important Documents

Wellness Benefit Included

To promote healthy habits and preventive care, the plan offers a wellness screening benefit of $50, available once per person each calendar year. Eligible screenings include, but are not limited to:

  • Cholesterol and diabetes screenings
  • Cancer screenings
  • Cardiovascular function assessments
  • Imaging studies
  • Annual physician examinations
  • Immunizations

For a comprehensive list of eligible screenings, please refer to the policy.

Schedule of Benefits Amount
Admission (4 days per year) $1,000
Admission - Hospital ICU (4 days per year)
(additive to Admission) 		$1,000
Daily Stay $100
(per day up to 30 days)
Daily Stay - Hospital ICU (additive to Daily Stay) $100
(per day up to 15 days)

Non-Medical Enrollment and Questions:
(844) 249-3273

Medical Enrollment and Questions:
(800) 610-1863

General Questions:
help@effinghamschoolsbenefits.com

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