Supplemental health benefits
At EMC, we know that even with good medical coverage, unexpected health events can still create financial stress. That’s why we offer supplemental health benefits to give you added peace of mind and financial protection when you need it most.
These plans pay cash benefits directly to you, so you can use the money however it makes sense for your situation—whether that’s covering medical bills, everyday expenses, or both.
A quick reminder
Supplemental health plans are designed to work alongside your medical coverage—not replace it. They provide additional financial support but do not cover all medical expenses.
Your supplemental health options
Because accidents happen—even on your best days
If you or a covered family member experience a covered accident, this plan helps offset the unexpected costs that can follow.
How it helps:
- Pays cash benefits for things like ER visits, fractures, x-rays, ambulance services, and follow-up care
- Helps cover out-of-pocket medical costs and everyday expenses
- Includes a $50 annual wellness benefit for preventive screenings
.jpg)
Support when it matters most
A serious diagnosis can not only impact your health but your finances as well. This plan provides a lump-sum payment if you’re diagnosed with a covered condition.
How it helps:
- Pays a lump-sum benefit for conditions like heart attack, stroke, or cancer
- Provides infertility benefits like medication, IVF, and corrective surgery
- Gives you flexibility to use the money however you need
- Includes a $50 annual wellness benefit for preventive screenings
- Offers additional support through a Health Navigator Help Line
Additional support for families:
In addition to infertility support, you can also take advantage of surrogacy and/or adoption benefits, depending on where you live (not available in Missouri or Florida).
.jpg)
Extra support during a hospital stay
Even with medical coverage, a hospital visit can come with unexpected costs. This plan helps by paying cash benefits for covered hospital stays.
How it helps:
- Pays benefits for hospital admissions, daily stays, ICU care, and more
- Covers stays due to illness, injury, pregnancy, and certain complications
- Includes a $50 annual wellness benefit for preventive screenings—even if you’re not hospitalized
.jpg)
Get rewarded for taking care of yourself
Each supplemental health plan includes a wellness benefit, which means you can earn $50 for each of your supplemental health benefits. It’s one more way we support your overall well-being—and encourage you to stay on top of your health.
You can earn your $50 wellness benefit in cash from Sun Life by receiving services like:
- Annual exams and screenings
- Immunizations
- Certain lab tests
View a full list of preventive care services that will help you earn your wellness benefit.
Ready to file a wellness benefit claim? View these detailed instructions
Important to know: You can earn one $50 wellness benefit per supplemental health plan, per year. If you’re enrolled in multiple supplemental plans, you can receive a reward for each one—but only once per plan each year, even if you receive multiple preventive care services.
Tip: If you enroll in more than one supplemental health benefit, you need to submit a claim for each one to receive multiple $50 wellness credits.
How to file a claim
If you need to file a claim, Sun Life makes it easy.
File online:
- Go to sunlife.com/account and log in; if you haven't opened an account, you can create one before filing your claim
- Select "Submit a claim"
- Choose your claim type
- Enter your information and upload any documents
- Submit and choose how you’d like to be paid
Other options:
Submit by email, fax, or mail using forms at sunlife.com/findaform
