Added protection for life’s unexpected health events.

Supplemental Health Plans

Even with Medicare or Marketplace insurance, certain health events can lead to unexpected costs. Supplemental health plans provide cash benefits or enhanced coverage to help bridge those gaps—so you can focus on healing, not your bills.

These plans are affordable, flexible, and designed to support your physical recovery and your financial well-being after a serious diagnosis, injury, or hospital stay.

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Hospital Indemnity

Pays cash benefits for each day you're hospitalized

Helps cover deductibles, copays, or lost income

Often used alongside Medicare Advantage plans

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Critical Illness

Lump-sum payouts upon diagnosis of covered conditions like cancer, stroke, or heart attack

Funds can be used for any purpose: travel, child care, mortgage, or experimental treatment

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Accident Insurance

Cash benefits for ER visits, ambulance rides, broken bones, and other injuries

Can help reduce your out-of-pocket costs after a fall, car accident, or sports injury

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Recovery & Short-Term Care

Covers costs for rehab, home health, or skilled nursing following a hospitalization

Fills in the gap between Medicare discharge and full recovery

Supplemental plans are ideal if you:

Have a high-deductible health plan or Medicare Advantage

Want to protect retirement savings from being used on unplanned bills

Have a history of critical illness in your family

Need income protection during recovery

Travel often and want flexible coverage in case of emergencies

Frequently Asked Questions

  • Are these standalone policies?


    Yes. They work alongside your primary health insurance—they don’t replace it. Benefits are paid directly to you, not to your doctor or hospital.



  • Do I have to use the money a certain way?


    No. Most plans offer cash benefits you can use however you need—medical bills, rent, groceries, or even time off work.

  • Is underwriting required?


    Some policies require basic health questions or limited underwriting. Others offer guaranteed acceptance, especially when paired with certain Medicare Advantage plans.

  • Can I add these at any time?


    In many cases, yes. Unlike major medical plans, many supplemental policies allow year-round enrollment.

Let's Build a Safety Net That Makes Sense

If you've ever had a health scare—or simply want to stay prepared—supplemental coverage gives you peace of mind when it matters most. We’ll explain which options fit your lifestyle, health history, and budget.