Every 40 seconds, someone in the U.S. has a heart attack or stroke or is diagnosed with cancer or other serious disease.* If it happens to you, shouldn’t your primary focus be on getting well—not worrying about how to pay for your treatment and care?
Critical Illness** Insurance can help you by paying a lump sum benefit if you are diagnosed with a covered illness or condition, on or after your coverage effective date. Features of this insurance include:
The cost of Critical Illness Insurance varies based on your age and the amount of coverage. It is very likely that your monthly premiums will be less than your monthly lunch budget.
**Critical Illness is referred to as Specified Disease in some states.
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Can I meet with someone one-on-one to get a better understanding of this insurance product?
Who is the provider?
How can this help me?
Who is eligible?
All Baystate and Baycare employees who work at least 16 hours/wk or BVNAH employees who work at least 15 hours/week.
Who can enroll?
You, your spouse and eligible children qualify for this coverage.
*The use of “spouse” means a person insured as a spouse as described in the certificate of insurance or rider.
When can I enroll?
When is my coverage effective?
The effective date of coverage is the date you are eligible to begin filing claims. The condition or illness must occur on or after the coverage effective date.
When/how can I cancel my coverage and when would it take effect?
What if my employment status changes?
When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you will be billed directly by the insurance carrier.
How do I pay for this benefit?
Payments are made via Baystate Health payroll deduction.
What serious illnesses and diseases am I covered for?
Will my rates increase as I get older or if I file a claim?
What happens if I recover and then I’m diagnosed again?
The number of times you may receive a benefit varies based on the plan selected by your employer. The most common plan limits the Maximum Critical Illness Benefit to one covered illness or disease within each module. Once you have received the Maximum Critical Illness Benefit within each module, you are no longer able to receive benefit payments for another covered condition from that same module. If a partial benefit is paid out, it will not reduce the available maximum benefit amount for the illnesses or diseases in that same coverage module. Some plans will only allow you to receive the full benefit amount for one covered condition, regardless of how many modules are included. Alternatively, your plan may allow you to receive benefits for multiple conditions within each module. Please see your certificate of coverage for details.
For more information, please see the Critical Illness Benefits Guide in the "Forms" section of the page.
Exclusions and Limitations
Benefits are not payable for any critical illness caused in whole or directly by any of the following*:
*Exclusions and limitations may vary by state. Consult your certificate of insurance for exact language.
Are there any pre-existing condition limitations with this plan?
What is the Wellness Benefit, and how do I claim my $100?
The Wellness Benefit is a rider that is automatically included with your Accident, Critical Illness, and/or Hospital Confinement Indemnity Insurance coverage. It provides an annual benefit payment if you complete a health screening test, whether there is any out-of-pocket cost to you or not. You are eligible to receive one annual benefit of $100, regardless of how many screening tests you may complete. If enrolled, your spouse is eligible to receive the $100 wellness benefit and your children are eligible to receive $50 each, up to a maximum of $200 for all children in a calendar year, if they complete a screening. If you participate in Baystate’s health screenings for employees through the Baystate Healthy program, this screening qualifies for the $100 benefit.
Click here to view more details about what types of screenings qualify on the wellness benefit and here for how to claim it. Personal information provided on a claim form and supporting documentation confirming the name of the person/organization you saw and date of the screening is, generally, what Voya requires. Information regarding other insurance is not needed for this type of claim.
I have Voya coverage under more than one plan (Accident, Critical Illness, and/or Hospital Indemnity) that includes a $100.00 wellness benefit. Am I eligible to be reimbursed for that benefit under more than one plan for the same service?
How do I access a claim form and how do file a claim for benefits?
This is a summary of benefits only. Please review your enrollment materials and any applicable brochures prior to enrolling in coverage. A complete description of benefits, limitations, exclusions and terminations of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this website and the group policy documents, the policy documents will govern. To keep coverage inforce, premiums are payable up to the date of coverage termination. Critical Illness Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Compass Critical Illness Policy Form #: RL-CI3-POL-12. Form numbers, provisions and availability may vary by state.
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
|Critical Illness Benefits Guide|
|Critical Illness Insurance Plan Certificate of Insurance|
|Critical Illness Plan State Mandated Forms|