Voluntary Life Insurance Coverage
All providers enrolled in the Health Care Reimbursement Fund in 2025 receive Basic Group Term Life Insurance Benefits at no cost to them.
The Health Care Fund will offer enrolled providers the chance to purchase additional coverage for themselves and to purchase coverage for their family members through the Voluntary Life Insurance benefit from Guardian x Legaci—our Basic Life insurance provider.
The program allows you to purchase coverage with no medical questions asked. This is called “guaranteed issue.” Here are the guaranteed issue amounts available:
Important: In order to purchase coverage for your spouse and or children, you must purchase Voluntary Life coverage for yourself. You may only purchase insurance for family members added to your Health Care Fund account.
| Type | Minimum Benefit (you may purchase) | Guaranteed Issue Amount | Maximum Benefit (you may purchase) |
|---|---|---|---|
| Provider | $10,000 | Up to $200,000 | $500,000 |
| Spouse** | $5,000 | Up to $50,000 | $250,000 |
| Children | $5,000 | Up to $10,000 | $10,000 |
*More than one child can be added to the coverage.
**Providers may only elect up to 50% of their provider voluntary coverage amount for their spouse.
