2026 Accident

Baldwin County Schools is excited to offer a new accident plan through Voya Financial to protect you from unexpected accidents, as it can be difficult to financially plan for the unexpected. The new accident plan provides coverage enhancements with a slight premium reduction. This plan provides a benefit payable according to a schedule, and the funds may be used for any purposes, including helping to pay for medical out-of-pocket costs like deductibles and coinsurance.  

 

Premium Information

Important Documents

This plan reimburses you for your actual medical expenses and the benefit is paid directly to you. Coverage options are available for you, your spouse, and your dependent child(ren). It also includes a benefit for death, loss of limbs, hospital visits, and transportation by ambulance – as a result of a covered accident. Reference the plan summary below for more details.

Schedule of Benefits Standard Plan Premium Plan
Medical Treatment Benefits
Emergency Room $200 $325
Physician’s office visit $75 $125
Major diagnostic/medical imaging $200 $300
Therapy (up to 10) $40 $60
Surgery (open abdominal, thoracic) $1,500 $2,000
Outpatient Surgery $300 $350
Hospital Benefits
Admission $1,100 $1,600
Confinement $250 / day up to 365 days $325 / day up to 365 days
Inpatient Rehabilitation $175 $225
Injury-Based Benefits
Fractures (chip fractures: 25% benefit) From $200 to $8,000 From $300 to $10,000
Dislocations (incomplete dislocations: 25% benefit) From $250 to $8,000 From $300 to $10,000
Lacerations From $25 to $400 From $50 to $750
Concussions $250 $500
Burns Up to $12,500 Up to $20,000
Eye Injury $300 $400
Accidental Death & Dismemberment (AD&D)
Basic Accidental Death Employee: $40,000
Spouse: $20,000
Child: $8,000 		Employee: $100,000
Spouse: $50,000
Child: $20,000
Loss of limbs, sight, hearing, ability to speak Up to $24,000
Refer to complete schedule 		Up to $40,000
Refer to complete schedule
Sports Accident Benefit
Covers accident as a result of an organized sporting activity Additional 25% benefit, up to $1,000 Additional 25% benefit, up to $1,000

Wellness Benefit Included

The voluntary Accident plan includes a wellness benefit for covered preventive screenings and tests. 

Employee: $50

Spouse: $50

Child(ren): $50

Maximum benefit of once/year/insured

Important Notes

  • Employees and spouses are eligible regardless of age
  • Coverage for eligible child dependent(s) is up to age 26

Exclusions Include:

  • Participation in a felony or illegal activity
  • An accident while the covered person is operating a motorized vehicle while intoxicated
  • Suicide
  • Alcoholism or drug abuse
  • Racing
  • Jumping, parachuting, or falling from any aircraft or hot air balloon
  • Any sickness or declining process caused by sickness
  • And more.

Please refer to the Certificate for complete details.

Sports Accident Coverage

The Voya Accident plan pays an additional 25% of the Hospital Care, Accident Care, and Common Injuries benefits to a maximum of $1,000 if the covered accident is as a result of an organized sporting activity.

Non-Medical Enrollment and Questions:
(877) 395-4741

Medical Enrollment and Questions:
(800) 610-1863

General Questions:

benefits@baldwincountyschoolsbenefits.com

Benefits

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