Supplemental Coverage
Bridge the gaps in your health insurance with cash benefits that protect your finances when illness or injury strikes.
Even the best health insurance leaves gaps – deductibles, copayments, and non-medical expenses can quickly drain savings during a health crisis. Supplemental insurance provides cash benefits paid directly to you, offering financial flexibility when facing unexpected medical events. From hospital stays to critical illness diagnoses, these affordable policies ensure that health challenges don’t become financial disasters.
Your financial safety net during medical events
Our supplemental options include:
- Hospital indemnity: Daily cash benefits for inpatient stays
- Accident insurance: Coverage for emergency treatment and recovery
- Critical illness: Lump-sum payments upon diagnosis of covered conditions
- Cancer policies: Specialized coverage for cancer treatment expenses
How cash benefits protect your finances
When illness strikes, expenses multiply beyond medical bills. Consider these real scenarios:
- A heart attack requiring a week in the hospital – your major medical covers treatment, but who pays your bills while you’re recovering?
- Cancer diagnosis requiring treatments 100 miles away – insurance covers chemotherapy, but what about gas, hotels, and meals?
- Serious accident with months of recovery – your health plan pays doctors, but how do you replace lost income?
Supplemental insurance fills these gaps with benefits typically ranging from $500 to $50,000 depending on your coverage and condition. Payments arrive within 10 business days, providing quick financial relief when you need it most.
Affordable protection that complements any health plan
Here’s what surprises most people: supplemental coverage often costs just $1-2 per day. For less than your daily coffee, you can protect against financial devastation from unexpected health events. These policies complement any health insurance:
- Works alongside employer coverage
- Fills Medicare gaps
- Supplements high-deductible health plans
- Provides extra protection with marketplace plans
Benefits pay regardless of other coverage, and there’s no coordination of benefits to slow down payments. You’re always the beneficiary, giving you complete control over how to use your benefits.
Building your personalized protection plan
Not everyone needs every type of supplemental coverage. We’ll help you assess:
- Your current health insurance gaps
- Family medical history and risk factors
- Budget for additional protection
- Which combination provides optimal coverage
Common strategies include:
- Hospital indemnity for anyone with high deductibles
- Cancer policies for those with family history
- Accident coverage for active individuals
- Critical illness for primary wage earners