Supplemental health insurance provides additional coverage that helps pay for costs your regular health plan may not fully cover — like deductibles, copays, hospital stays, and more. Many policies pay cash benefits directly to you, giving you the flexibility to use the money for medical or everyday expenses.
Supplemental Health Insurance
Why it matters
Even with good health insurance, an accident or illness can lead to unexpected costs. Supplemental coverage:
- Helps pay out-of-pocket medical bills
- Offsets lost income or living expenses during recovery
- Provides peace of mind when life takes a turn
Types of Coverage
Choose the coverage that fits your needs:
- Accident Insurance – Helps with expenses from unexpected injuries
- Hospital Indemnity Insurance – Pays a benefit if you’re hospitalized
- Critical Illness Insurance – Lump-sum payment for serious diagnoses like cancer or heart attack
- Cancer Insurance – Focused financial support during cancer treatment
Who is it for?
You might benefit from supplemental insurance if you:
- Have a high-deductible health plan
- Don’t have a large emergency fund
- Have a family history of serious illness
- Worry about missing work due to injury
- Are on Medicare and want to fill the coverage gaps
Common Myths
Supplemental insurance fills the gaps your main plan doesn’t cover.
It’s often very affordable, with customizable coverage.
Many plans pay you directly, and you decide how to use the money.
Accidents and illnesses can affect anyone, at any age.
Most plans are simple, clear, and easy to use.
Want to learn more?
Visit our Learning Center for in-depth guides, comparisons, and expert insights on how supplemental insurance can fit into your financial plan.
Ready to take the next step?
Our team can help you explore coverage options tailored to your needs.