Supplemental Coverage
Health insurance covers a lot — but deductibles, copays, and excluded services leave real financial gaps. Supplemental policies are affordable add-ons that pay cash directly to you when you need them most.
How Supplemental Coverage Works
Think of supplemental coverage as a financial buffer. Your primary health plan handles the medical bills. Supplemental plans pay you directly — in cash — to cover the costs your health plan leaves behind.
Event Occurs
You experience a covered illness, injury, accident, or hospitalization.
Primary Plan Pays
Your health insurance covers its portion — leaving deductibles, copays, or gaps.
Supplemental Pays You
Your supplemental plan sends a cash benefit directly to you. Use it for anything.
Already have health insurance and want to layer in protection?
We can recommend the right mix of supplemental products for your existing plan and budget.
Product Types
You do not need all six. We help identify which combination closes the specific gaps in your current coverage at a premium that makes sense.
Dental Insurance
Covers routine cleanings, X-rays, fillings, extractions, and major procedures like crowns or oral surgery at reduced out-of-pocket rates.
Vision Insurance
Covers annual eye exams, discounts on frames and lenses, and contact lens allowances so you never skip care due to cost.
Critical Illness
Pays a lump-sum cash benefit directly to you upon diagnosis of a covered condition — heart attack, stroke, cancer, and more — to cover any expense.
Accident Insurance
Provides cash benefits for injuries from covered accidents — ER visits, hospitalization, fractures, and follow-up care — regardless of your health plan.
Hospital Indemnity
Daily cash benefit paid directly when you are admitted to the hospital — helping cover what health insurance does not like deductibles and lost wages.
Short-Term Disability
Replaces a portion of your income if a medical condition keeps you from working — giving you financial stability while you recover.
Why It Matters
$1,300+
Average deductible
The typical amount individuals must pay before insurance starts covering costs.
66%
Of bankruptcies
Of U.S. personal bankruptcies cite medical bills as a contributing factor.
$30–$60
Typical monthly cost
Most people can layer meaningful supplemental protection for less than a dinner out each week.
Close the Gaps Today
Tell us about your current coverage and we will show you exactly which products fill your gaps at the lowest total cost.
