Fill the Gaps in Your Coverage
Even with solid health insurance, unexpected medical events can lead to out-of-pocket costs that strain your finances. Supplemental insurance pays cash benefits directly to you—helping cover deductibles, lost income, and everyday expenses when the unexpected happens.
Types of Supplemental Insurance
Accident Insurance
Pays a lump-sum benefit if you're injured in an accident—regardless of what your primary insurance covers. Use the cash however you need: medical bills, rent, groceries, or anything else.
- Emergency room visits and ambulance rides
- Fractures, dislocations, and burns
- Follow-up care and physical therapy
- Accidental death and dismemberment
Critical Illness Insurance
Provides a one-time cash payment if you're diagnosed with a covered serious illness. This gives you financial breathing room while you focus on recovery.
- Cancer (including early-stage)
- Heart attack and stroke
- Organ transplant
- Kidney failure and other major conditions
Hospital Indemnity Insurance
Pays a set daily or per-event benefit when you're admitted to the hospital. Helps offset deductibles and the bills that pile up during a hospital stay.
- Hospital admission benefit
- Daily hospital confinement benefit
- ICU and critical care coverage
- Outpatient surgery benefits
Who Needs Supplemental Insurance?
- High-Deductible Plan Holders: If your health plan has a high deductible, supplemental coverage can help bridge the gap until your insurance kicks in
- Families: Active families with kids in sports or outdoor activities benefit from accident coverage
- Self-Employed Individuals: If you don't have paid sick leave, supplemental plans can replace lost income during recovery
- Anyone Wanting Extra Protection: Supplemental plans work alongside any primary health coverage for added peace of mind
How Supplemental Insurance Works
- You pay a small monthly premium — typically $20 to $60 per month depending on the type of coverage
- A covered event occurs — an accident, illness diagnosis, or hospital stay
- You file a claim — with a quick, straightforward process
- You receive a cash benefit — paid directly to you, not the hospital or doctor
Key Benefits
- Cash Paid Directly to You: Use it for medical bills, mortgage payments, childcare—whatever you need
- Works Alongside Primary Insurance: Doesn't replace your health plan—it supplements it
- Affordable Premiums: Most plans cost less than your monthly streaming subscriptions
- No Network Restrictions: Benefits are paid regardless of which doctors or hospitals you use
- Simple Claims Process: Most claims are processed quickly with minimal paperwork
Find the Right Supplemental Plan
Not sure which type of supplemental coverage makes sense for you? I'll review your current health plan, identify the gaps, and recommend the right supplemental products to give you complete protection without overpaying.