Supplemental Insurance
Health insurance is essential, but it doesn’t always cover everything. We can talk you through how to cover the gaps and strengthen your safety net.
What Is Supplemental Insurance?
Supplemental insurance is a category of plans that provide additional financial protection beyond your main health insurance. These policies typically pay cash benefits directly to you, which you can use however you choose—toward medical bills, rent, childcare, or everyday expenses.
Types of Supplemental Plans
- Cancer Insurance
- Critical Illness Insurance
- Heart Attack/Stroke Insurance
- Long-Term Care Insurance
- Travel Medical Insurance
- Final Expense Insurance
Critical Illness Insurance
Provides a lump-sum benefit after diagnosis of a covered condition:
- Commonly covered conditions include heart attack, stroke, kidney failure, organ transplant, and more
- Helps pay for both medical and non-medical expenses while you recover
Cancer Insurance
Designed to assist with the high cost of cancer treatment:
- Covers initial diagnosis, radiation, chemotherapy, experimental treatments
- May include benefits for cancer-related surgery or recovery needs
- Often includes annual wellness benefits for screenings
Heart Attack/Stroke Insurance
Designed to ease the financial burden of serious heart and vascular events:
- Provides a lump-sum benefit after a covered heart attack or stroke
- Can help pay for hospital stays, cardiac rehab, and lifestyle changes
- Often includes wellness benefits for heart health screenings
Long-Term Care Insurance
Longer life also comes with a greater need for care, and costs can add up very quickly! Long-Term Care plans can help:
- Pays a daily or monthly benefit amount
- Covers long-term care facilities, in-home nursing, and related costs
Travel Medical Insurance
Designed to protect your health — and your wallet — while traveling abroad:
- Covers emergency medical care and hospital stays outside your home country
- Includes benefits for medical evacuation and trip interruption due to illness or injury
- Provides 24/7 support to help you find care and navigate unexpected health needs
Final Expense Insurance
Designed to help loved ones handle end-of-life costs with peace of mind:
- Pays a cash benefit to cover funeral, burial, or cremation expenses
- Can help settle small debts or unexpected bills
- Simple, affordable coverage with no medical exam in many cases
