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Supplemental Health Insurance Plans are supplemental insurance plans that provide a lump sum cash benefit in the event of a medical-related incident. With benefits ranging from immediate payouts upon getting sick or injured to coverage for accidents and a critical illness diagnosis, you might be surprised to learn what supplemental health insurance can offer.

    Key Benefits of Supplemental Health Insurance Plans

  • Lump sum cash payout of benefit
  • Provides benefit regardless of health insurance coverage
  • Cash benefits can be used for non-medical expenses
  • Guaranteed benefit & no medical underwriting plans available

    A Supplemental Health Insurance Plan might be suitable for you if…

  • Are paying for a high-deductible Obamacare plan
  • Have a high-deductible health insurance plan through your employer
  • Don’t have any health insurance coverage and are currently paying the ACA penalty
  • Want coverage for specific illnesses your health insurance plan doesn’t provide
Help with those high deductibles.

    Why consider a Supplemental Health Insurance Plan?

    Medical bankruptcies in the United States are the #1 cause of personal bankruptcy. For example, consider the following:

    (Source: NerdWallet)
  • Cash can be used for alternative types of medical treatments that may not be covered by your insurance plan.
  • The average cost for a three-day hospital stay is $30,000.
  • The average price for cancer drugs for one year of treatment can exceed $100,000.

Supplemental Health Insurance Plans

Designed to cover a variety of circumstances

If you’re diagnosed with a critical illness, require a hospital stay, or get into an accident, your health insurance plan won’t kick in until you meet your deductible. For those with high-deductible Obamacare plans, this means you could be paying a hefty sum just to cover your deductible. For example, based on the four Obamacare metal plans, you might have to pay up to 40 percent of healthcare expenses (up to your maximum out of pocket). (see chart)

Make sure you’re covered in the event of an unfortunate medical-related event — especially if you have a high-deductible health insurance plan.

Plan Coverage VS. Your Cost












Supplemental Health Insurance Plan Types

A Supplemental Health Insurance plan can shield you from this type of financial impact by providing a lump sum cash payout as your benefit. Plan types include the following:

Critical Illness Insurance

Provides a cash benefit if you’re diagnosed with a covered critical illness. You’re free to use the cash for medical expenses, travel costs for family members, and to pay for any non-medical expenses.

Hospital Indemnity Insurance

Reduces the financial impact of hospitalization – up to $1,800+ per day, in most cases — with a set payout amount per day, week, or month you are confined to the hospital bed. Some plans pay per visit.

Accident Insurance

Provides a cash benefit for injuries caused by an accident, such as broken bones, sprains, fractures, and other injuries that require treatment. Since many health plans have a high deductible, you receive a lump sum benefit to use for medical expenses or anything else.

Cancer Plans

Provides a cash benefit if you are diagnosed with cancer, up to $100,000 in some cases. Some policies can be guaranteed to be renewable for life. You can use the cash for both medical and non-medical expenses.

Metal Gap Plans

Fills the gap in coverage you have with an Obamacare Bronze, Silver, and Gold level ACA-compliant health insurance plan. You receive a lump sum cash benefit for hospital bills or to cover everyday expenses.

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