Even the best medical plan can leave you with out-of-pocket costs. Supplemental medical plans through MetLife provide cash payments in the event of a significant medical expense. You can use these payments to cover out-of-pocket expenses that a benefits plan doesn’t cover or spend the money in any other way you choose, such as for babysitters, transportation, or your mortgage.



Employees can elect plans during Open Enrollment regardless of prior health history, and evidence of insurability (EOI) will not be required.​ Benefits will be paid directly to you, regardless of any other coverage in place. You pay the full cost of coverage through post-tax payroll deductions.

Choose any combination of the following:

Note: You can continue your supplemental medical coverage in all plans if you leave Calyx. For complete cost and coverage details, visit Mercer Marketplace 365+.


Accident Insurance

Accident insurance helps protect you from unexpected financial stress if you or a covered family member has an accident. By providing cash benefits in cases of accidental injuries, it supplements your primary medical plan. You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).

You will be able to elect coverage for yourself and your dependents during enrollment regardless of prior health history (please see plan documents located on the Mercer Marketplace 365+ website for specific coverage details).

Benefits are paid:

  • Directly to you, unless assigned to someone else
  • In addition to any other coverage, like your primary medical plan or an Accidental Death & Dismemberment (AD&D) plan

You receive a cash benefit up to a specific amount for:

  • Emergency room care
  • Dislocations/fractures
  • Hospital admission and daily confinement
  • Ambulance
  • Medical expenses
  • Physician follow-up and therapy services (including physical therapy)
  • Accidental death and/or dismemberment

The actual benefit amounts depend on the type of injuries you have and the medical services you need.


Critical Illness Insurance

When a serious illness strikes, critical illness insurance can provide financial support to help you through a difficult time. It protects against the financial impact of certain illnesses, such as a heart attack, cancer, or stroke.

You receive a lump-sum benefit to cover out-of-pocket expenses for your treatment, to pay your coinsurance, or to take care of your everyday living expenses such as housekeeping services, special transportation services, and child care.

Benefits are paid in addition to what your medical plan provides and are payable regardless of any other insurance plans you may have. You will be able to elect coverage for yourself and your dependents during enrollment regardless of prior health history.

Choose from two benefit coverage options:

  • $15,000
  • $30,000

Covered conditions:

  • Cancer
  • Heart attack
  • Stroke
  • Coronary artery bypass graft
  • Kidney failure
  • Alzheimer’s disease
  • Major organ transplant
  • Partial benefits (25%) paid for 22 additional specified conditions

Hospital Indemnity Insurance

A trip to the hospital can be stressful, and so can the bills. Even with Calyx’s medical plan, you may still be responsible for copays, deductibles, and other out-of-pocket costs. The hospital indemnity plan can help offset your share of the cost associated with a covered sickness or accident.

Use this money to help cover hospital stays, ambulance service, surgery, and certain inpatient or outpatient treatments. The plan pays benefits in addition to any other insurance. You will be able to elect coverage for yourself, your spouse, and your dependent children during enrollment regardless of prior health history.

Benefit highlights:

  • Hospital admission: $1,000
  • Daily hospital confinement: $100/day (maximum 365 days for covered accident; 31 days for sickness or maternity)