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Supplemental Insurance

Supplemental Insurance Information


What is supplemental health insurance?

Supplemental insurance is coverage that you can purchase which provides cash benefits (paid directly to you) to help pay medical and non-medical
expenses associated with a covered illness or accident.  The sole purpose of a supplemental insurance policy is to pay you cash to help ease the
financial burden of unexpected medical expenses.

The cash benefits from supplemental insurance policies can be used to pay medical expenses like: deductibles, co-payments, co-insurance (the amount you are responsible for after your deductible is met). The cash benefits can also be used to pay non-medical expenses like: lost wages, mortgage, car, utilities, groceries, and treatment or equipment not covered by your health insurance.   
Why do you need supplemental insurance? 

Supplemental insurance is about protection from the financial impact of unexpected medical expenses.  
As insurance costs increase and coverage decreases, millions of Americans across the country are turning to supplemental insurance as a way to protect themselves and their loved ones from the financial burden of rising healthcare costs. 

Supplemental insurance does three primary things:

  • Pays you cash benefits in the event of a covered illness or accident
  • Works with your existing health insurance to improve its effectiveness
  • Provides peace of mind in knowing you’re prepared financially for the unexpected 

How does supplemental insurance work?

There are different carriers that offer different plans but most will either pay a lump sum benefit or a scheduled cash benefit.  Some will have fixed amounts
that they pay for certain occurrences, and others will have fixed annual amounts that can be used based on incoming medical bills. 

Regardless of the type of plan you choose, when a covered incident occurs, you file a claim, the claim is processed, and a check is sent directly to you – not to the medical provider. It’s that simple!  

What types of supplemental policies are available?


Supplemental insurance does not replace your health insurance, it makes it work better.


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