Accident Insurance
Accident insurance is a supplemental policy that pays you a lump sum for covered accidents.
🏥 Accident Insurance: Cost & Coverage
Missouri State University offers two voluntary accident insurance plans with coverage for employees and their dependents.
| Plan Cost | EE | EE + Sp | EE + CH | F |
|---|---|---|---|---|
| Plan 1 monthly cost | $17.99 | $33.86 | $36.84 | $44.89 |
| Plan 2 monthly cost | $24.67 | $47.22 | $51.68 | $63.45 |
🩺 What’s Covered
These plans pay benefits for accident-related services according to a set schedule.
- Spouse coverage: 50% of the benefit
- Child coverage: 25% of the benefit
Plan 1 Highlights:
- Up to $4,000 for complete dislocation/fracture
- $40,000 accidental death & dismemberment
- $50 outpatient physician visit
Plan 2 Highlights:
- Up to $6,000 for complete dislocation/fracture
- $60,000 accidental death & dismemberment
- $75 outpatient physician visit
(Refer to the plan brochure for full details.)
📝 How to Use Your Benefits
- File a claim: Use the below form or call 877-282-0808
- Benefit payments: Paid directly to you; can cover medical costs or household expenses
✅ Enrolling & Changes
- Voluntary coverage: Complements, but does not replace, health insurance
- Guaranteed issue: Enroll during new hire period, within 31 days of a qualifying event, or annually at open enrollment- without answering medical questions
- Services must be incurred after your effective date; pre-existing limitations may apply
Forms and publications
Forms
Policy Number 18667
Publications
- Accident Plan Brochure
- Accident SPD
Policy
Contact information
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