Supplemental Plans

Supplemental health plans are extra insurance policies that give you more benefits and protection beyond what your regular medical insurance offers. They can help cover gaps in your coverage and give you money to help with expenses not covered by your main medical plan.

There are different types of supplemental health plans:

1. Critical Illness Insurance: This gives you a lump sum of money if you're diagnosed with a serious illness like cancer, a heart attack, or a stroke. You can use the money to pay for medical bills, living costs, or anything else related to your illness.

2. Accident Insurance: This helps you financially if you have an accident, get hurt, or become disabled. It can include cash payments to make up for lost wages if you can't work, money to pay for medical bills, and coverage for therapies.

3. Hospital Indemnity Insurance: This plan gives you money every day you're in the hospital. It might also help pay for surgeries or time in the ICU. It's there to help with unexpected costs from being in the hospital.

4. Short-Term Disability Insurance: If you can't work because you're disabled for a short time, this insurance gives you money to make up for the income you're missing. Depending on the plan, it usually gives benefits for up to 6 months.

Supplemental health plans are great for people and families with high deductibles or lots of out-of-pocket expenses with their regular medical plan. They give you peace of mind, knowing you have coverage for unexpected costs that might be hard to pay for on your own.

At our agency, we're experts in finding the right coverage for you. We can help you pick out a good supplemental health insurance plan. Contact us to learn more or get a quote tailored to you.