Health Maintenance Screening Benefit

Help Beyond Health Insurance

Regular checkups are important to maintain health. With our Health Maintenance Screening Benefit, or HMS Benefit,1 employees can keep wellness top of mind. This benefit is available with our Supplemental products, Accident, Critical Illness and Hospital Indemnity insurance. Employees can receive benefit payments once per calendar year when they or their covered dependents complete any of the screenings listed below.2

Available Screenings

The Health Maintenance Screening Benefit and certain tests are not available in all states or on all products. Employees can reference their certificate to determine which tests are available.

  • Abdominal aortic aneurysm ultrasound
  • Ankle Brachial Index, or ABI, screening for peripheral vascular disease
  • Biopsies for cancer
  • Bone density screening
  • Breast ultrasound
  • Cancer antigen 125, or CA 125, blood test for ovarian cancer
  • Cancer antigen 15-3, or CA 15-3, for breast cancer

  • Carcinoembryonic antigen, or CEA, blood test for colon cancer
  • Colonoscopy
  • Complete Blood Count, or CBC
  • Comprehensive Metabolic Panel, or CMP
  • Novel infectious disease testing, such as COVID-19
  • Electrocardiogram, or EKG
  • Hemoccult stool analysis
  • Hemoglobin A1C

  • Human Papillomavirus, or HPV, vaccination
  • Lipid panel
  • Mammography
  • Mental health assessment
  • Pap smears or thin prep pap test
  • Prostate specific, or PSA, test
  • Stress test on a bicycle or treadmill

How to File an HMS Benefit Claim Online

There are three simple steps employees need to follow for each covered screening when submitting a claim online. Employees can also submit a claim via mail or fax.

1. Submit screening information

Employees log in to the online employee portal to start a new claim, select the name of the completed screening, enter the date of the screening and submit. There are no additional forms needs from their physician.

2. We make a benefit decision

Employees will get confirmation we received their claim. We’ll look for applicable coverages, start reviewing their claim and make a decision the same day or within 48 hours of receipt.

3. Get benefit payments

After the claim is approved, employees will receive direct benefit payments days after submitting their claim.

Hosting a Health Fair?

Autopay is available when an employee completes a covered screening at an employer-sponsored health fair.

Questions? Contact your account manager for more information.

Maddy and Liam’s Health Maintenance Screening Benefit Story3

A mother and young son talking with a doctor in an examination room

Liam was excited for the new school year. He looked forward to getting to know his new teacher and playing with friends at recess. Liam’s mom Maddy was on her way to completing their back-to-school to-do list. Visiting Liam’s primary physician for his annual physical exam was an item on the list.

At the exam, Liam’s physician completed a mental health screening. Maddy knows the mental health screening can support Liam’s continued well-being and that it’s a covered Health Maintenance Screening Benefit with her supplemental insurance through her employer.

While waiting in the physician’s office to wrap up the appointment, Maddy began submitting the Health Maintenance Screening Benefit claim online. Maddy:

  1. Logged into standard.com and started a new claim
  2. Entered information about Liam's screening
  3. Reviewed and submitted the claim in the online portal
  4. Got a confirmation that her claim was received

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