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Supplemental Insurance
Your health plan pays the doctor.
Who pays everything else?
Deductibles, time off work, travel for treatment. Supplemental coverage pays cash directly to you when life throws a curveball, so one bad day doesn’t become a financial setback.
Example
A 3-day hospital stay
Total bill
$18,400
Health plan pays
−$14,900
Left for you to pay
$3,500
Hospital indemnity pays you
+$3,000
Illustrative only. Actual costs and benefits vary by plan.
Sound Familiar?
Covered on paper.
Still hit with the bills.
Even good health insurance leaves gaps. Supplemental coverage is how families keep one bad day from becoming a financial setback.
The problem
Your deductible is thousands of dollars.
How we fix it
Cash benefits that help cover what your health plan leaves behind.
The problem
A serious diagnosis would mean time off work.
How we fix it
Critical illness and disability coverage that keeps money coming in.
The problem
You don't know which add-ons are worth it.
How we fix it
Honest advice on what fits your life, and what you can skip.
Supplemental Coverage
If this happened,
here's what would help.
If you get hurt
Accident Insurance
A broken bone, a trip to the ER or a sports injury. Pays set cash amounts for injuries and treatment.
If you get a serious diagnosis
Critical Illness & Cancer
A heart attack, stroke or cancer diagnosis. Pays a lump sum you can use for treatment, travel or everyday bills.
If you're admitted
Hospital Indemnity
Pays you a set amount for a hospital admission and each day you stay, to help with deductibles and costs at home.
If you can't work
Disability Insurance
Replaces part of your income while you recover from an illness or injury, short term or long term.
How It Works
Cash paid to you,
not the hospital.
Something happens
An accident, a diagnosis or a hospital stay that’s covered by your plan.
You file a claim
Usually simple, and we’re here to help if you get stuck.
You get paid
Money goes directly to you, to use for bills, groceries, rent or anything else.
FAQs
Supplemental coverage questions,
answered.
Isn't my health insurance enough?
Health insurance pays your medical providers. Supplemental coverage pays you, to help with deductibles, lost income and everyday costs your health plan doesn’t touch.
Can I buy supplemental coverage on my own?
Yes. Individual plans are available whether or not you have coverage through work, and they stay with you if you change jobs.
How is the money paid?
Most supplemental plans pay a set cash amount directly to you, and you can use it however you need.
Are there waiting periods?
Keep Exploring
More ways to protect
you and your family.
Health Insurance
On and off Marketplace plans, explained and compared.
Life Insurance
Term, whole, living benefits and final expense coverage.
Dental & Vision
Free Coverage Review
Close the gaps
before you need to.
We’ll look at the coverage you have today and show you which supplemental options make sense, at no cost and with no obligation.
Prefer to call?
Virtual appointments available
Meet with us by video, whenever it fits your schedule.