Employee Benefits

Hospital Indemnity Plan

Hospital Indemnity Plans provide a fixed cash benefit for each day of hospitalization, ensuring financial protection during your stay. Our plan is designed to supplement your current health insurance coverage, making it an ideal choice if you have a high-deductible plan or limited coverage. By filling the gaps in your primary insurance, it offers an additional layer of protection, easing the financial burden associated with hospitalization. Furthermore, there are no network restrictions, granting you the freedom to select any hospital or healthcare provider that suits your preferences. This flexibility empowers you with greater control over your healthcare decisions.

Benefits Summary

• Daily In-Hospital Benefit
• Emergency Room Benefit
• Ambulance Benefit

Surgery and Anesthesia Benefit

Having both an Inpatient Surgery Benefit and an Anesthesia Benefit as part of a health insurance plan offers several advantages for individuals seeking medical care such as comprehensive surgical coverage and financial protection. Our Inpatient Surgery Benefit helps cover the costs associated with undergoing surgery that requires a hospital stay. This may include expenses related to the surgical procedure, hospital room, nursing care and other services during the hospitalization. The Anesthesia Benefit helps cover the costs of anesthesia services administered during surgical procedures. Anesthesia is a critical component of surgery, ensuring the patient's comfort and safety throughout the procedure.

Benefits Summary

• $1,000 Surgery Benefit
• $400 Anesthesia Benefit
• Inpatient

Prescription Drug Plan

Our Prescription Drug Plan is designed to provide cost savings on prescription medications. By utilizing this plan, you can save a significant amount on your out-of-pocket expenses by paying a fixed copayment or coinsurance instead of the full retail price. The formulary includes a wide range of generic and brand-name drugs spanning various therapeutic categories. This extensive coverage ensures that you can obtain the necessary medications prescribed by your healthcare provider without encountering any obstacles or being burdened with the entire cost. If you have a chronic condition necessitating ongoing medication, our prescription drug plan becomes particularly valuable, as it ensures affordable access to the medications crucial for effectively managing your condition.

Benefits Summary

• $0 ACA MEC Formulary
• $0 Acute Formulary
• $1 Chronic Formulary

Critical Illness Plan

While health insurance typically covers medical expenses, it may not provide adequate coverage for the additional costs associated with a critical illness. Our Critical Illness Plan complements an employee's existing health insurance coverage by providing a lump sum payment that can be used at their discretion. The plan covers a specified list of severe illnesses, such as cancer, heart attack, stroke, organ failure, major surgeries and other life-threatening conditions. By having this coverage, an employee can receive financial assistance regardless of whether the illness is work-related or not. The Plan offers protection against the potentially devastating financial impact of these illnesses, allowing the employee to focus on their recovery rather than worrying about financial obligations.

Benefits Summary

• $2,500 Benefit
• Heart Attack and Cancer
• 10 Covered Illnesses
  

Telemedicine Benefit

Quantum's Telemedicine Plan covers the employee and their entire family. This 24/7 coverage enables employees and their families to remotely consult with healthcare professionals through video calls, phone calls or secure messaging. This convenient access eliminates the need for in-person appointments, long wait times and travel to medical facilities. Employees can receive medical advice, diagnoses, and even prescriptions from the comfort of their homes or workplaces, saving valuable time and effort.

Furthermore, Telemedicine helps employees avoid expenses associated with transportation, parking or childcare that are typically required for traditional doctor visits. By utilizing Telemedicine, employees can access affordable healthcare without incurring significant financial burdens. This cost-saving aspect makes healthcare more accessible and manageable for employees, ensuring they receive necessary medical attention without straining their budgets.

Benefits Summary

• On Demand 24/7
• Via Telephone or Email
• For Employee and Their Family
  

Wellness Plan

Our Wellness Plan is designed to promote and enhance your overall health and well-being. Engaging in this plan enables you to proactively address your health by preventing illnesses, managing stress and adopting healthier habits. Our wellness plan places significant emphasis on disease prevention through the utilization of Health Risk Assessments (HRAs). HRAs play a crucial role in reducing costs associated with chronic diseases by gathering valuable information about the population and informing targeted risk reduction initiatives. By identifying health risks and conditions at an early stage, you increase your chances of receiving timely treatment and effectively preventing the progression of diseases.

Benefits Summary

• Health Risk Assessment
• Risk Identification
• Health Scores

Accident Plan

Knowing that you have an Accident Plan in place can provide peace of mind. It offers a safety net that ensures financial support in the event of an accident, reducing anxiety and stress for the employee and their family members. This security allows the employee to focus on their recovery without worrying about the financial implications of an accident. Even with health insurance coverage, accidents can result in high medical costs. An Accident Plan can complement an employee's existing health insurance by providing supplementary coverage for out-of-pocket expenses related to accidents. This may include deductibles, co-pays or any other costs not covered by the primary health insurance plan.

Benefits Summary

• $1,000 Benefit
• Inpatient
• Outpatient