These benefits pay you a lump-sum payment to help you cover out-of-pocket costs related to hospitalizations or very specific medical conditions, including: COVID-19, some cancers, heart attack, stroke, and more. You can spend the plan benefit in any way that helps you when you are ill or hospitalized. There are guidelines for each that determine how much you receive from the plan. With medical plan coverage, the plan generally pays a portion of the cost for covered expenses, and you pay the remaining amount. Payment is often made directly to the providers.