Supplemental Health Insurance

Primary health insurance leaves a lot of gaps. We can walk you through what your needs are and how to cover additional care to protect your financial security.

Health insurance is essential, but it doesn’t always cover everything. From high deductibles to unexpected hospital bills, out-of-pocket expenses can still cause financial stress. That’s where supplemental insurance comes in.

Supplemental plans are designed to work alongside your primary health coverage—whether it's through an employer, the Marketplace, or a private plan—to help cover expenses that your regular policy may not fully pay for. These policies can help you recover financially from serious illnesses, accidents, or hospital stays.

What Is Supplemental Insurance?

Supplemental insurance is a category of plans that provide additional financial protection beyond your main health insurance. These policies typically pay cash benefits directly to you, which you can use however you choose—toward medical bills, rent, childcare, or everyday expenses.

Critical Illness

A major illness can strike at any time, and the financial fallout can be significant. Critical illness insurance offers a lump-sum cash benefit upon diagnosis of a covered condition, such as cancer, heart attack, or organ failure. It’s designed to help with the extra costs your health insurance might not cover, like travel, lost wages, or daily living expenses.

Hospital Indemnity

Even with good health insurance, a hospital stay can come with unexpected expenses. Hospital indemnity plans pay cash benefits directly to you for covered hospital stays, surgeries, or related services. That's money you can use however you need, from covering deductibles to everyday bills while you're out of work.

Cancer Insurance

A cancer diagnosis can bring overwhelming emotional and financial stress. Cancer insurance is designed to ease that burden by providing a cash benefit to help with out-of-pocket costs like treatments, travel, lost income, and more. It’s a smart supplement to traditional health insurance that helps you stay focused on recovery, not bills.

Heart Attack & Stroke Coverage

Heart disease and stroke are among the most common and costly health issues in the U.S. This type of supplemental insurance provides a lump-sum payment if you're diagnosed with a covered heart-related condition. Use the funds for medical bills, rehabilitation, or anything else that helps you recover and regain stability.

Short-Term Medical Plans

If you're between jobs, waiting for other coverage to begin, or need a temporary option, short-term medical insurance can fill the gap. These flexible plans provide basic health coverage for unexpected illnesses or injuries, giving you peace of mind during a transitional period, without locking you into a long-term commitment.

Dental & Vision Plans

Standalone dental and vision insurance plans are an easy way to maintain your overall health and help avoid costly procedures down the road. These plans typically cover routine preventive care—like dental cleanings, exams, and X-rays, as well as annual eye exams and vision screenings.