Baldwin County Schools offers two accident plan options through MetLife to protect you from unexpected accidents, as it can be difficult to financially plan for the unexpected.  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.

Injury Standard Plan Premium Plan
Medical Treatment Benefits
Emergency Room $150 $200
Physician's Office Visit $75 $100
Medical Testing $150 $200
Therapy $35 $50
Surgery $750 - $1,500 $1,500 - $2,000
Outpatient Surgery $300 $400
Hospital Benefits
Admission $1,000 $1,500
Confinement $200 / day up to 15 days $300 / day up to 15 days
Inpatient Rehabilitation $150 $200
Injury-Based Benefits
Closed Fractures From $100 to $4,000 From $200 to $5,000
Open Fractures From $200 to $8,000 From $400 to $10,000
Dislocations From $100 to $8,000 From $200 to $10,000
Lacerations From $50 to $400 From $75 to $700
Concussions $250 $500
Burns From $75 to $10,000 From $100 to $15,000
Eye Injury $300 $400
Accidental Death & Dismemberment (AD&D)
Basic Accidental Death Employee: $25,000 Spouse: $12,500 Child: $5,000 Employee: $50,000 Spouse: $25,000 Child: $10,000
Loss of limbs, sight, hearing, ability to speak Up to $20,000 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 Pays an additional 25% of the benefit Pays an additional 25% of the benefit

Important Notes

  • Employees are eligible regardless of age
  • Four tiers are available to ensure you have the best fit for your family
  • Coverage for eligible child dependent(s) is up to age 26


All sicknesses including pregnancy, work-related injuries, services not medically necessary, being intoxicated in accordance with state laws, alcoholism, voluntary inhalation of gas/fumes/taking of poison, driving in any race or speed test or while testing an automobile or vehicle on any racetracks or speedway, injury while skydiving, hang gliding, parachuting, scuba diving, rodeo, or aviation except flight in a scheduled passenger aircraft, being under the influence of a narcotic/drug, intentionally self-inflicted injury, hernia, carpel tunnel syndrome, or any complication therefrom, bacterial infections.