Supplemental
Health insurance helps with the big stuff, but deductibles, copays, and coinsurance add up fast.
Supplemental insurance is your financial safety net.
These plans pay you cash benefits to help you focus on recovery, not medical bills.
- Hospital Indemnity
- Critical Illness Insurance
- Cancer Insurance
- Accident Insurance
Available in: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA
Hospital Insurance
An unexpected hospital stay can be financially draining, even with a good health plan. Hospital Indemnity (Fixed Indemnity) provides a fixed cash benefit for each day you are hospitalized.
This benefit is paid directly to you not the hospital, allowing you to use the funds for deductibles, copays, or even non-medical costs like lost wages and childcare.
Example:
Jennifer is hospitalized for five days. Her indemnity plan pays her $500 per day. She receives a total of $2,500, which covers her $1,500 deductible and her household bills while she recovers.
Available in: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA
Critical Illness & Cancer
A sudden diagnosis of a serious condition like cancer, heart attack, or stroke can be devastating. Critical Illness Insurance provides a lump-sum cash benefit upon diagnosis to be used however you need—from medical bills to mortgage payments.
- Covered Illnesses: Cancer, Heart Attack, Stroke, Alzheimer’s, Organ Transplant, and Paralysis.
- Cancer Support: Helps cover chemotherapy, radiation, and non-medical costs like transportation and lodging.
Example:
Michael suffers a heart attack. His plan provides a $50,000 lump sum.
He uses $30,000 for medical expenses and rehab, and $20,000 to cover his household bills while he is out of work.
Available in: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA
Accident Insurance
Accidents happen. Whether it’s a fall, a sports injury, or a car crash, Accident Insurance pays a fixed cash benefit to cover the bills that pile up fast.
These plans generally have no waiting period or exclusions for pre-existing conditions.
Example:
Mark, a mountain biker, is injured on a trail. His policy pays a $15,000 cash benefit, covering his ambulance, ER visit, and surgery for less than $1 a day.
Available in: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA
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Ted McNeil
Owner, Broker
BenZen Insurance
An Independent Agency