Covering the Costs Health Insurance Doesn’t
Health insurance covers a lot, but not everything. Supplemental insurance fills the gaps, putting cash in your hands exactly when life throws something unexpected your way.
See If Supplemental CoverageIs Right for You
A Complement to Your Health Insurance,
Not a Replacement
Supplemental insurance is designed to work alongside your existing health insurance, not instead of it. Rather than paying medical providers directly, it's built to give you cash in times of need, money you can put toward whatever matters most in the moment.
Covering the
Costs
Health
Insurance Doesn’t
One of the biggest advantages of supplemental insurance is flexibility. When you have a covered event, the cash benefit is yours to use however you need it, whether that's:
While you're out of work recovering.
Costs for treatment.
Childcare, groceries, and everyday costs.
Costs your primary plan
doesn't fully cover.
Health insurance typically covers direct medical costs, doctor visits, procedures, hospital stays. But it often doesn't touch the indirect costs that pile up around a health event: lost income, transportation, everyday expenses that don't pause just because you're dealing with a health issue.
That's exactly the gap supplemental insurance is built to fill.
Coverage That Fits
Different Needs
Supplemental insurance isn’t one size fits all.
Accident Plans
Accident plans are a great illustration of how supplemental coverage can work in your favor. Even if you only end up using it once in 30 years, that single claim can pay out more than you’ve paid into the plan over that entire time. It’s protection that’s there when you need it, without you having to "use it" to get value from having it.
Dental Plans
Routine cleanings are only part of the picture, root canals, crowns, and other bigger procedures are where dental costs really add up, and they’re often only partially covered by your regular health plan. Dental supplemental coverage helps close that gap, so a bigger procedure doesn’t turn into a bigger financial decision than it needs to be.
Vision Plans
Eye exams, glasses, and contacts are recurring costs that major medical insurance rarely touches, and they add up every single year. Vision coverage handles the essentials you already need on a predictable schedule, so keeping your eyes checked and your prescription current doesn’t come as a surprise expense.
Critical Illness Plans
A critical illness plan pays out a lump sum in cash the moment you’re diagnosed with something serious, a heart attack, a stroke, or cancer. That money is yours to use however you need it, medical bills, everyday expenses, or anything else that comes up, while you focus on getting better instead of how to pay for it.
Disability Plans
An illness or injury doesn’t just bring medical bills, it can mean weeks or months without a paycheck. A disability plan replaces part of your income while you’re unable to work, so a health event doesn’t turn into a financial one on top of everything else you’re already dealing with.
Give Yourself
More Options
Nobody plans for the unexpected, but you can plan to be ready for it. Supplemental insurance is an affordable way to add a layer of financial protection on top of the health coverage you already have.
Talk to an Advisor About Supplemental CoverageNot sure which type of supplemental plan fits your situation?
Give us a call, we're happy to walk you through your options.
Questions People Ask
About
Supplemental Coverage
It pays you cash directly, not your medical provider, for what a health event costs beyond the medical bill itself: lost income, transportation, childcare, groceries, and other everyday expenses that don't pause while you recover.
Even a good health plan typically covers direct medical costs only, doctor visits, procedures, hospital stays, not the indirect costs that pile up around a health event. Supplemental coverage is built specifically to fill that gap.
Cost depends on the specific plan and coverage level. We'll walk through real options and pricing for your situation, at no cost to you.
When you have a covered event, the plan pays you a cash benefit directly, which you can use however you need it, whether that's bills, travel for treatment, household expenses, or costs your primary plan doesn't fully cover. Accident plans are a good example: you might use one once in 30 years, and that single claim can pay back more than everything you put in.
Yes. Supplemental insurance sits alongside your existing coverage, including Medicare, rather than replacing it, filling in the indirect costs a primary plan doesn't touch.