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The Cold Emergency Plan is part of the 2015-2016 Winter Plan.


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Fidelity Security Life Insurance Company


This is a supplemental medical expense product that provides benefits to supplement the insured’s existing major medical or comprehensive health insurance plans to cover out-of-pocket expenses for deductibles, copayments and coinsurance if the person becomes hospital confined. Coverage will be made available to eligible employees and their families on a guaranteed issue basis. This product also includes optional outpatient benefits that the group may elect. 

This product is not intended to be a group health plan for purposes of renewability and portability under the Health Insurance Portability and Accountability Act (HIPAA).

Effective on Approval
Status = Approved