Supplemental Health Insurance Explained

Even if you already have health insurance, there’s a good chance it doesn’t cover everything you need it to. This is becoming the case for more people as more employers cut benefits.

A supplemental health plan can add extra benefits to your existing coverage at a low cost.

Get free quotes on supplemental health plans…

* First Name: * Last Name: * Address: * City: * State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming * Zip: * Phone:      * Email:   Gender* Date of birth*   Height*  Weight* Smoker* Applicant M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Spouse -- M F / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children 0 1 2 3 4 5 6 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Currently Insured? Yes   No Have conditions? Yes   No HIV/AIDS Diabetes Cancer Heart attack High blood pressure Asthma Stroke Depression requiring medication Other major illness

Your plan might pay for preventive care and hospital visits. But what about prescription drugs? What about dental care? What about vision care? All those extra health costs can add up fast. And that’s why having supplement health plans can help.

Do You Need Supplemental Health Coverage?

Not everyone needs a supplement health plan. Do you?

You might, if:

• You have substantial savings or assets (a small business, etc.) that you need to protect.
• You don’t have disability insurance coverage.
• You have a family history of heart disease, cancer or other serious chronic illnesses.
• You’re a member of an HMO that doesn’t cover out-of-network services.
• Your family doesn’t have an emergency fund that could cover three months’ worth of household expenses.

Kinds of Supplemental Health Insurance Plans

There are many kinds of supplemental plans available. Some of them include:

• Dental Insurance: Provides coverage for dental care needs, dental X-rays, and the treatment of dental-related issues.
• Vision Insurance: Provides coverage for optometrists’ visits, eyeglasses, contact lenses, and eye-care products.
• Cancer Insurance: Will cover the costs of cancer treatments as well as other related expenses, including chemotherapy, surgery, radiation, and anesthesia.
• Critical Condition Insurance: Will provide you with lump-sum payments to help pay your out-of-pocket expenses after a heart attack, stroke, heart surgery, cancer episode, or similar sudden illness.
• Income Protection: Will provide you with income if you were to become disabled. It may also provide a daily benefit if you’re hospitalized for a covered illness.
• Emergency Recovery Insurance: Will provide benefits for outpatient treatments for covered conditions (in-patient hospitalization, emergency room treatment, intensive care, outpatient surgery, and recovery care).
• Long-Term Care Insurance: Covers the costs of various long-term care issues, such as nursing home care, assisted-living facilities, home healthcare, and other kinds of custodial care.
• Medicare Supplement Insurance: Mainly for those older than 65 and participating in Medicare. There are a variety of standardized health plans designed to supplement expenses that aren’t covered by Medicare.

Want to find out more? Talk with our network of agents. Fill out our short online form, and you’ll be contacted with free quotes.