Check out the voluntary benefits available to you at affordable group rates

In addition to the core benefits available to you as a Johns Hopkins employee, the university offers an array of voluntary benefits designed to give you additional protection at affordable group rates. Be sure to consider these benefits when making your Annual Enrollment decisions.

To learn more about the following options, which are administered for Johns Hopkins by Mercer, go to the voluntary benefits webpage. To enroll, visit jhuvoluntarybenefits.com or call 866-795-9362. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and annual limits.

Voluntary benefits available during Annual Enrollment, Oct. 16-31

New for 2025: hospital indemnity insurance

Hospital indemnity insurance is designed to help you if you need to stay in a hospital due to an injury, sickness, or childbirth. If you're admitted to a hospital or similar facility for 20 hours or more, you will receive a one-time payment to help cover the expenses. The plan pays $1,000 to $2,000 per admission, depending on the type of stay (hospital vs. intensive care unit). This insurance offers critical support to bridge the gap between your primary health coverage and unexpected expenses. Hospital indemnity insurance is a supplement to, not a substitute for, a health care insurance plan.

Critical illness insurance

Critical illness insurance pays a cash benefit directly to you to help cover out-of-pocket medical and other expenses caused by a critical illness such as cancer, heart attack, or stroke. You receive a lump sum to help pay expenses as you see fit, from medical co-pays and deductibles to personal expenses such as mortgage payments and child care. You choose an initial benefit amount of $10,000, $15,000, $20,000, $25,000, or $30,000.

Accident insurance

Accidents can be costly. Accident insurance pays you cash benefits to help cover your out-of-pocket expenses so you can focus more on getting well and less on the extra expenses an accident can bring. Accident insurance can help offset emergency room fees, deductibles, and co-pays as well as everyday living expenses related to injuries that you or a family member suffers in a motor vehicle accident or fall, while playing sports, or in another type of accident. You may choose between a low and high option.

Legal services plan

Some legal situations are planned, such as creating a will, while others are unexpected, such as dealing with a traffic ticket. With a legal plan, you have access to telephone advice and in-office consultations regarding a wide range of personal legal services, and network attorney fees are paid 100% in full for covered matters. Among the issues for which full representation is available are:

• Preparation of legal documents such as wills, trusts, powers of attorney, deeds, and many others
• Purchase, sale, and refinancing of your personal residence
• Immigration assistance
• Debt collection defense
• Legal help with identity theft
• Legal help for family law matters

Note: Effective Nov. 1, 2024, critical illness and accident insurances are offered by Lincoln Financial. There is no action required on your part other than annual enrollment.

Voluntary benefits available year-round

Pet insurance

My Pet Protection from Nationwide helps you provide your pets with the best care possible by reimbursing you for eligible veterinary bills. Choose the level of coverage that fits your needs and get up to 70% cash back for accidents, injuries, illnesses, wellness, and more. You're free to use any veterinarian, and your coverage includes added benefits such as emergency boarding and lost-pet advertising. Plus, the 24/7 VetHelpline is included as a service to all members.

Choice Auto and Home Insurance

Review your auto, home, and renters' coverage annually to make sure you're getting the best coverage at the best price. With the Choice Auto and Home Insurance Program, you can comparison shop coverages, prices, and discounts from five top insurance companies (Progressive, Liberty Mutual Insurance, Farmers GroupSelect, Travelers, and Safeco Insurance) with one phone call. Plus, through this program you can also shop for insurance for a rental property, boat, motor home, or other belongings.

Identity protection

The Allstate Identity Protection program can offer you peace of mind with services that can help you both prevent identity theft and recover your identity if you become a victim. The program helps you look after all your online activity, from financial transactions to what you share on social media. If fraud occurs, the $1 million identity theft expense reimbursement has you covered.

Note: The descriptions above are summaries intended for informational purposes and do not include all terms, conditions, and exclusions of coverage. You should refer to the actual policies for those matters.