Supplemental Insurance
Free Consultations for Supplemental Insurance
By law, we cannot charge any fees for our services. Consultations for Supplemental Insurance are always no cost and no obligation. We enjoy getting to know our clients and building relationships over time.
Types of Supplemental Insurance
Types of Supplemental Insurance include Hospital Confinement; Critical Illness (Cancer, Heart Attack or Stroke); Accident; Dental; Vision.
Importance of Supplemental Insurance
Health Insurance pays the hospital and the doctor, but who pays you? Supplemental Insurance pays cash benefits directly to you which you can use to pay your out-of-pocket medical costs, pay the mortgage, pay household bills, etc. Supplemental Insurance is always offered, never required, and is available for an additional premium. We simply try to help people maximize their benefits while minimizing their cost. For example, many people receive financial help (subsidies) to lower their Health Insurance premiums. We suggest taking advantage of some of that savings to purchase Supplemental Insurance. Often, better overall coverage can be obtained with a combination of Health Insurance and Supplemental Insurance. We show people how combining a subsidized, high-deductible health plan with the right Supplemental Insurance offers better protection at a lower cost than the purchase of a lower-deductible health plan alone.
Most people today have high-deductible Health Plans and are concerned with how to cover large medical bills, but also to pay household bills. Choosing Supplemental Insurance, such as Accident, Hospital Confinement, Critical Illness, etc. provides direct cash payments to you to help with high out-of-pocket costs and even provide a source of income during periods of work or income disruptions.
Here’s something to think about: Health Insurance pays the hospital and the doctor, but then who pays you? Supplemental Insurance pays cash benefits directly to you, and there are no restrictions on how that money is spent. Supplemental cash benefits can be used to pay deductibles, co-pays, travel & lodging expenses, and other out-of-pocket costs associated with an injury or illness. Supplemental cash benefits can also be used to pay household bills, such as rent or mortgage, utility bills, groceries, etc. Supplemental cash benefits can be used to replace lost income associated with an illness or injury which may result in the inability to work or run a business. We help protect people’s assets and even their businesses!
We take a very unique approach of offering high-deductible health plans paired with selected supplemental policies which give the client better coverage and lower premium costs when compared to the purchase of a lower-deductible health plan for a much higher premium. Dental and Vision policies are further examples of Supplemental policies that can complete a comprehensive benefit package.
Wide range of Supplemental Policies Available
We represent several companies offering Supplemental Insurance, including Delta Dental, Chesapeake, National General, Globe Life, United Health One, Guaranteed Trust Life, etc.
