Voya Financial – Policy rider over company health benefits coverages

I opted to participate in enrollment with voya financial offered as a rider.. additional coverage policy / program offered through my employer. Upon researching what they offer, to include conversations with voya representatives, I was informed that the hospital indemnity coverage along with the additional critical illness coverage would pay any covered dependant should they end up being admitted into a hospital at onset.. the first day of this admission would compensate $500 and should there be additional days confined that in one area.. ICU they'd pay out $200 per day should ICU be the situation, but if in a hospital room then this coverage would pay $100 per day being in the facility hospital room.. well my spouse ended up having to go to University of Pennsylvania Hospital for surgery.. He did have a previous diagnosis of Perhiperal Artery Disease for which he did have surgery some 4yrs prior.. however, he was well after the procedure.. we married 2 years later, he was fine and not having any problems.. then he ended up experiencing symptoms again with his veins/ leg circulation to where it was mandatory for him to have it surgically addressed. This time, however, due to previous treatment with surgery the procedure would now require a different operational procedure to where they would have to enter his body through his arm. and travel down to his groin for a stent implant.