Supplemental Insurance
Health insurance plays a crucial role in safeguarding your family’s well-being. Without it, unexpected events can lead to financial strain.
But there are out-of-pocket costs that come along with health insurance like deductibles & coinsurance.
Supplemental Insurance is an extra layer of protection that can help cover those expenses and put money back in your pocket. Our top carriers:
- Mutual of Omaha
- UnitedHealthcare
Business owner? See our Small Group Plans >>
Pays Cash When You Need It Most
Most supplemental plans, like Critical Illness Insurance and Accident Insurance, provide a fixed cash benefit for covered events like injuries, heart attacks, or cancer diagnoses.
It’s crucial to understand that supplemental insurance plans do not replace Affordable Care Act Health Insurance. If you have questions contact us.
Hospital Insurance typically pays a fixed amount for hospital stays.
These cash benefits are paid directly to you, allowing you to use them as needed for related out-of-pocket expenses.
The goal is to “supplement” your primary coverage, helping to alleviate the unexpected financial burdens associated with rising healthcare costs.
- Accident Insurance
- Hospital Indemnity
- Critical Illness Insurance
- Cancer Insurance
Questions?
As an independent agency, we help individuals, families & small businesses find affordable health benefits.
Licensed in FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA
Get started with a licensed expert. Contact us today!
Critical Illness Insurance
Critical Illness Insurance provides a lump-sum cash benefit to help cover expenses associated with serious medical conditions.
These often include:
- Cancer
- Heart Attack
- Stroke
- Alzheimer’s Disease
- Coma
- Organ Transplant
- Paralysis
You receive the benefits directly and are free to use the funds for any purpose, whether it’s medical bills, living expenses, or anything else.
We offer comprehensive critical illness plans that can be tailored to your specific needs and budget, providing peace of mind during challenging times.
Example:
Michael suffers a heart attack. His critical illness insurance provides a $50,000 lump sum.
Michael uses $30,000 toward medical expenses, $10,000 for ongoing cardiac rehabilitation and allocates $10,000 to cover household bills.
Licensed: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA
Note: Insurance plans may have limitations. Always review the policy before enrolling. If you have any questions, please contact us for assistance.
Accident Insurance
As the name suggests, Accident Insurance is designed to provide financial assistance in the event of covered injuries resulting from accidents.
This can include a wide range of injuries, from fractures and dislocations to emergency room visits and surgical procedures.
For example, if your child gets injured playing sports, accident insurance can help with the resulting medical bills.
The policy typically pays out a lump-sum benefit to help cover medical expenses associated with the accident, such as deductibles, ambulance services, or even hotel accommodations for family members if needed.
Notably, accident insurance generally does not have exclusions or limitations for pre-existing conditions.
Example:
Consider Mark, a mountain biker. After a serious trail ride injury, his accident policy pays him a $15,000 cash benefit.
This lump sum helps pay bills including his ambulance, emergency room, surgery, hospital stay and household obligations.
He’s able to recover his out-of-pocket expenses (deductible, coinsurance) and then some for less than $1 a day.
Licensed: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA
Note: Insurance plans may have limitations. Always review the policy before enrolling. If you have any questions, please contact us for assistance.
Cancer Insurance
Cancer insurance, often included in Critical Illness plans, has become increasingly popular due to the rising costs of cancer treatment.
This supplemental coverage provides specialized financial support for the diagnosis and treatment of cancer, going beyond what regular health insurance may cover.
Policyholders receive benefits for various expenses, including cancer screenings, chemotherapy, radiation therapy, surgeries, and sometimes even non-medical costs like transportation and lodging during treatment.
It’s especially beneficial for individuals with a family history of cancer or those seeking additional financial protection against the high costs associated with cancer care.
Example:
Sarah was diagnosed with breast cancer. Her cancer insurance plan offers a $20,000 benefit.
This covers $15,000 for chemotherapy, $3,000 for radiation therapy, and $2,000 for surgery.
Additionally, the policy provides $5,000 for non-medical costs like transportation.
Licensed: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA
Note: Insurance plans may have limitations. Always review the policy before enrolling. If you have any questions, please contact us for assistance.
Free Consultation
Get help from a licensed expert with no obligation.
As an independent agency, we help individuals, families & small businesses find affordable health coverage and benefits in:
FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA
Your privacy is our priority. We don’t share personal information or collect any payments, ensuring a safe and secure experience.
Get BenZen! Get Peace of Mind.