Fill the gaps in your coverage
Extra protection when your health plan isn't enough.
Supplemental health insurance pays cash benefits directly to you for covered events—accident injuries, critical illness diagnoses, or hospital stays—helping cover deductibles, lost income, and expenses your primary insurance doesn't pay.
Even with good health insurance, out-of-pocket costs can strain your budget. Supplemental policies provide a financial cushion when you need it most.
Talk to an insurance guide
Licensed pros walk you through quotes, discounts, and next steps in minutes.
Supplemental Insurance Explained
What is supplemental health insurance?
Supplemental health insurance works alongside your primary health insurance to provide additional financial protection. Unlike traditional health insurance that pays providers directly, supplemental policies pay cash benefits directly to you when covered events occur. You can use this money for anything—deductibles, copays, mortgage payments, groceries, or lost wages.
Common types include: Accident insurance (pays for injuries from accidents like broken bones, burns, or concussions), Critical illness insurance (lump sum payment if diagnosed with cancer, heart attack, stroke, or other serious conditions), Hospital indemnity insurance (daily cash benefit for each day hospitalized), and Disability insurance (replaces portion of income if you can't work).
Supplemental insurance is especially valuable for people with high-deductible health plans, those without robust emergency savings, people in physically demanding jobs, or anyone who would struggle financially if unable to work due to illness or injury. The cash benefits arrive when you need them most, with no restrictions on how you spend the money.
How it works
Getting health coverage is easier than you think
Whether you're shopping during open enrollment or have a qualifying life event, we make it simple to find the right plan.
Step 1
Identify your coverage gaps
Review your current health plan's deductible, out-of-pocket maximum, and any coverage limitations that could leave you exposed.
5 minutes
Step 2
Choose supplemental coverage types
Select from accident, critical illness, hospital indemnity, or disability policies based on your risks and budget.
Mix and match
Step 3
Get covered with simple enrollment
Most supplemental policies have simplified underwriting—get covered quickly with minimal health questions.
Easy qualification
Key decisions
What you need to know
Understand the important factors when choosing supplemental health insurance.
Cash paid directly to you
Benefits go to you, not providers. Use the money for medical bills, living expenses, or anything else—no restrictions.
Cover your deductible
High-deductible plans leave you exposed. Supplemental insurance can cover that gap so an injury doesn't derail your finances.
Replace lost income
If illness or injury keeps you from working, supplemental policies help replace lost wages while you recover.
Affordable premiums
Supplemental policies are typically inexpensive—often $20-$50/month—making them accessible protection for most budgets.
Guided help
Professional help navigating health insurance
Health insurance can be confusing with deductibles, copays, networks, and more. Our licensed agents take the time to explain your options in plain English.
- Help identifying which supplemental coverage types fit your situation
- Guidance on benefit amounts that align with your deductible and income
- Comparison of policies from multiple carriers
- Coordination with existing health insurance coverage
Ready to explore your options? We're here to help.
Understanding your costs
Supplemental policies work differently than traditional health insurance. You pay a flat monthly premium, and when a covered event occurs, you receive a predetermined cash benefit. For example, an accident policy might pay $500 for a broken bone, regardless of your actual medical bills. A critical illness policy might pay a $25,000 lump sum upon cancer diagnosis. There are no deductibles, copays, or networks to worry about—just cash when you need it.
Questions?
Common questions about supplemental health insurance
What's the difference between supplemental and primary health insurance?
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Primary health insurance (like an ACA plan or employer coverage) pays providers for medical care. Supplemental insurance pays cash directly to you when covered events occur—regardless of your actual medical bills. You can use supplemental benefits for anything: medical costs, mortgage, groceries, or lost wages.
Do I need supplemental insurance if I have good health coverage?
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Even good health plans have deductibles, copays, and coverage gaps. If you'd struggle to pay a $5,000 deductible or couldn't cover bills if you missed work due to illness, supplemental insurance provides valuable protection. It's especially important with high-deductible health plans (HDHPs).
What types of supplemental health insurance are available?
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Common types include: Accident insurance (covers injuries from accidents), Critical illness insurance (lump sum for serious diagnoses like cancer or heart attack), Hospital indemnity insurance (daily cash for hospital stays), and Disability insurance (replaces income if you can't work). Many people combine multiple types for comprehensive protection.
Is supplemental insurance expensive?
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Supplemental policies are typically very affordable—often $20-$50 per month depending on coverage type and benefit amounts. This makes them accessible protection against the out-of-pocket costs that primary insurance doesn't cover.
Supplemental Health Insurance guides and resources
Dive deeper into supplemental health insurance topics with our expert guides and comparisons.
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Read moreReady to find the right supplemental health insurance plan?
Compare plans and prices in minutes. Our licensed agents are here to help you enroll.
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