Prudential exited the traditional major medical health insurance business decades ago. It stopped writing individual hospital expense and major medical policies in the early 1990s and sold its group managed and indemnity healthcare operations to Aetna in 1999. Today, Prudential does not underwrite or sell comprehensive health insurance plans that cover doctor visits, hospital stays, surgeries, or prescriptions as primary medical coverage.

Instead, through its Group Insurance division, Prudential specializes in supplemental health benefits (also called voluntary or limited-benefit plans). These products are designed to help employees and their families manage out-of-pocket costs that major medical plans often leave uncovered. Coverage is typically offered through employers, professional associations, and affinity groups.

Services / Products Offered

Prudential’s supplemental health solutions pay fixed cash benefits directly to the insured (not to doctors or hospitals). Benefits can be used for deductibles, co-pays, living expenses, or any other need. Key products include:

• Accident Insurance
  Pays benefits for covered injuries such as broken bones, dislocations, lacerations, concussions, burns, and related medical events. Plans are often available in low and high options.
• Critical Illness Insurance
  Provides a lump-sum cash payment upon diagnosis of a covered serious condition (cancer, heart attack, stroke, and others). Modern enhancements may include benefits for mental health screenings, Type 2 diabetes, aneurysms, fertility assistance, prenatal/childbirth support, and caregiving.
• Hospital Indemnity Insurance
  Pays fixed amounts for hospital admission, daily confinement, and related events to help offset the high costs of hospital stays.

Additional related offerings:

• Group life insurance and Accidental Death & Dismemberment (AD&D)
• Short-term and long-term disability insurance
• Absence management and leave administration services (FMLA, ADA, Paid Family Leave, etc.)
• Medical stop-loss insurance (for self-funded employer health plans)

Important note that appears on all official materials:
These are limited-benefit policies. They are not major medical insurance and do not provide reimbursement for medical treatment expenses.

Why Choose Prudential Supplemental Health Benefits

• Guaranteed issue — In most workplace plans, employees can enroll without answering health questions or taking a medical exam (as long as they are actively at work).
• Pays in addition to other coverage — Benefits are paid directly to the employee regardless of any other insurance they have.
• Helps fill real gaps — Designed to ease the financial pressure of deductibles, co-pays, and everyday expenses during illness, injury, or hospital stays.
• Modern enhancements — Updated benefits address mental health, family needs (fertility, prenatal, caregiving), and other contemporary employee concerns.
• Strong brand & financial strength — Backed by one of the most recognized and highly rated insurance companies in the U.S.
• Easy administration for employers — Simple voluntary benefits that help companies offer more competitive total rewards packages and improve employee retention.
• Flexible design — Employers can tailor plan options and contribution levels.

Key Stats & Reach (High-Level)

• Offered primarily through employers, professional associations, and affinity groups across the United States.
• High customer retention: Approximately 95% of Prudential’s group insurance customers stay with the company long-term (company-reported figure).
• Part of a broad Group Insurance portfolio that also includes life and disability coverage.