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Supplemental Plans
Supplemental insurance is secondary coverage you add on top of your existing health plan. It’s designed to cover what your primary insurance leaves behind — deductibles, copayments, out-of-pocket costs, and living expenses when a major health event takes you out of work.
Unlike traditional insurance that pays your doctor or hospital directly, most supplemental plans pay cash benefits directly to you. Use the money however you need — medical bills, rent, groceries, or anything else.
Pays a lump-sum cash benefit when you're diagnosed with a covered serious illness — including cancer, heart attack, or stroke. Use the money for medical treatment, lost income, or everyday living expenses. Your primary insurance can't always cover the full financial impact of a major diagnosis. This can.
If you're injured in a covered accident, accident insurance pays cash benefits for your treatment — including emergency room visits, hospitalization, surgery, physical therapy, and follow-up care. These benefits kick in regardless of what your health plan pays.
Pays a daily cash benefit for every day you're hospitalized. Hospital stays are expensive and disruptive. This coverage puts cash in your hands to cover costs your health plan doesn't — including non-medical expenses that pile up while you're out of commission.
A cancer diagnosis doesn't just affect your health — it affects your finances. Cancer insurance provides cash benefits specifically designed to offset the costs of treatment, including chemotherapy, radiation, specialist visits, and extended recovery.