Symetra offers a variety of benefit options. Each plan is individually customized around needed benefits and employee wage levels, so consult your Symetra representative if you'd like a quote.
DESCRIPTION OF BENEFITS
Below is a list of the benefits offered under the group policy in most states. Please note that Select Benefits is not available to groups located in Hawaii, New Hampshire or New York. Rates may vary.
- Combination Doctor’s Office Visit, Diagnostic X-Ray and Lab, and Preventive Care Benefit
- Doctor’s Office Visit, Urgent Care and Outpatient Hospital Benefit
- Outpatient Diagnostic X-Ray and Lab Benefit
- Major Diagnostic Testing Benefit
- Inpatient Hospital Benefits
- Hospital Inpatient Admission Benefit
- Ambulance Transportation Benefit
- Outpatient Surgical Benefit
- Prescription Drug Benefit
- Employee Disability Income Weekly Benefit
- Employee Life Insurance/Accidental Death and Dismemberment Benefit
- Dependent Life Insurance Benefit
The following are included in all plans at no additional cost:
Pharmacy Discount Program. A discount from usual and customary drug charges will be given to the eligible person when prescriptions are purchased through a contracting pharmacy. This benefit is only available when the Generic or Prescription Drug Benefits are not chosen, or when all such benefits are exhausted.
Survivor Benefit. If an employee dies while covered under the policy, any covered dependents will be extended benefits (except Dependent Life) without premium payments for up to two years after the employee’s death. This is as long as the employer’s plan remains in force and the covered dependent meets the eligibility requirements in the policy.
CRITICAL ILLNESS - Policy Form Number LGC-9095 2/07.
An insurance benefit that provides either a $5,000 or $10,000 lump-sum payment (reduced by 50% at age 65) upon the first diagnosis of: invasive cancer, heart attack, stroke, end-stage renal failure, major organ transplant, severe burns, paralysis, and/or coma. This benefit is offered in combination with an approved Select Benefits policy, or on a stand-alone basis provided all necessary requirements are met. For more information, please refer to the Critical Illness Benefit Overview, or to see where it’s available refer to the State Approval Grid.
A TIP WHEN CHOOSING BENEFITS
When deciding what benefits to include in their Select Benefits plan, policyholders should consider the types of coverage most likely to be used by the insured.
Select Benefits is not a replacement for major medical or any other comprehensive policy. It is designed to provide a preselected fixed dollar amount for benefits used on a routine basis. Select Benefits policies are insured by Symetra Life Insurance Company and are not available in all U.S. states or any U.S. territories. Coverage may be subject to exclusions, limitations, reductions and terminations of benefits. Policy form numbers in most states are LGC-8786 2/03, LGC-8787 2/03, and LGC-9072 11/05 respectively.