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 helps cover those expenses to put money back in your pocket.
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Pays Cash When You Need It Most
Most supplemental plans pay a fixed amount for covered events like an injury, heart attack, or cancer diagnosis. Get cash benefits paid directly to your bank account when you need it most.
We made it easy with supplemental plans from UnitedHealthcare, Aetna & Mutual of Omaha.
Online quotes available in DC, FL, GA, MD, MS, NC, PA, TN, TX, VA and more coming! If your state is not listed contact us for assistance.
- Critical Illness Insurance
- Heart Attack or Stroke
- Cancer Insurance
- Accident Insurance
- Hospital Indemnity
Other supplemental plans you might be interested in:
- Term Life Insurance
- Disability Income Insurance
- Dental, Vision & Hearing
Supplemental insurance plans are not ACA qualified health plans and not meant to replace major medical health insurance.
Some plans will require agent assistance and may not be available in all states.
Critical Illness Insurance
Critical illness insurance provides a lump-sum cash benefit to help cover expenses associated with qualifying medical conditions. These can include:
- Cancer
- Heart Attack
- Stroke
- Alzheimer’s Disease
- Coma
- Organ Transplant
- Paralysis
You receive the benefits and can use those funds for whatever you need.
Our partners at UnitedHealthcare and Mutual of Omaha have comprehensive critical illness plans that can be tailored to your needs and budget.
Plan availability will vary by state and carrier.
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.
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 anything from fractures and dislocations to emergency room visits and surgical procedures.
The policy typically pays out a lump sum benefit to help cover medical expenses associated with the accident.
This can include deductibles, ambulance services, or even hotel accommodations for family members if needed.
Accident insurance 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.
Hospital Indemnity
Hospital indemnity insurance is supplemental insurance that pays out a lump sum benefit if you are confined due to an illness or injury.
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This benefit can applied to your hospital bill or to cover other out-of-pocket costs that your primary health insurance may not cover.
Example:
Maria undergoes major surgery and is hospitalized for a week. Her hospital indemnity insurance plan provides a daily benefit of $700.
For her hospital stay, Maria receives a total benefit of $5,000, helping offset the costs of her hospitalization, including the deductible and other out-of-pocket expenses.
Cancer Insurance
Cancer insurance offers specialized coverage for the diagnosis and treatment of cancer. It provides financial support beyond what may be covered by regular health insurance, addressing the specific challenges associated with cancer care.
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.
Especially beneficial for individuals with a family history of cancer or those seeking additional financial protection against the high costs associated with cancer care.
Plan availability will vary by state and carrier. Contact us if you need assistance.
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.
