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Supplemental Insurance

What it is?

This policy will pay for expenses that are not covered by your primary insurance. Costs that may not be covered by your insurance could include the following: cancer treatment, dental work, accidental injury, or vision procedures. Besides these expenses, supplemental policies can also provide income replacement. 

Who is it for?

For anyone that feels they may not have adequate income protection or insurance coverage for a catastrophic illness or injury. 

How does it work?

The policy that you purchase may pay for out-of-pocket medical expenses, such as co-payments, deductibles, or coinsurance. Other policies will pay the cash benefit over an extended period or may give you payment in one lump sum.

Different types of coverage in existence

  • Critical Illness – This policy pays a cash benefit directly to you while being treated for a specific illness such as cancer.
  • Accidental Death – An accidental death policy pays benefits to your beneficiaries. The amount of payout depends on the policy terms.
  • Hospital Confinement – If you are confined to a hospital stay, this policy pays weekly or monthly cash benefits.
  • VisionA vision plan can help you pay for eye exams, eyewear, and contact lenses, and vision correction procedures.
  • Long Term Disability – This policy pays a monthly benefit to you if you are unable to work due to a covered illness or injury. It replaces a portion of your income to meet your financial needs.
  • Long-Term Care – A Long-term care policy can be used to pay for the cost of a nursing home, assisted living, or at-home care during retirement.
  • Income Protection – This policy pays a monthly cash benefit to you. Many policies will pay up to 80% of your income, and the money can be used for anything you choose.

Major Benefits

  • Supplemental insurance policies can pay for expenses that you may not be able to pay if you are temporarily or permanently not able to work to pay bills.
  • These policies pay for medical bills after primary insurance has stopped paying. 
  • Lastly, retired seniors can take long-term care policies as a tax deduction.

Other Policies

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