Supplemental Health Benefits

There are 2 types of supplemental policies you should be aware of. The first is part of a strategy to take advantage of the price disparities of higher deductible plan designs. These typically have lump sum pay outs and can significantly decrease your overall premium but actually reduce your out of pocket exposure. The second type of supplemental insurance you should evaluate is designed to pay you cash to help with out of pocket expenses but especially non-medical expenses if you become injured or ill. Having that cash especially if your income is affected by the injury or illness can be important to cover rent, mortgage, car payments, and groceries. These types of plans typically pay out on a schedule and are not tied to actual medical bills.

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Critical Illness Insurance

The Critical Illness Insurance prepares you for the added costs of battling a critical illness.  The benefit is lump-sum from $5,000 to $30,000 upon the diagnosis of a covered illness, paid directly to the insured.

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Accident Insurance

Guaranteed issue - no health questions asked. Benefits do not reduce as you get older. Pays regardless of any other insurance you may have. Policy cancels upon reaching age 70.

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Accidental Death & Dismemberment

Plan for the unimaginable. Have a plan for unexpected out of pocket costs with accidental death and dismemberment. You never want to think about you or someone you love experiencing a serious accident. Unfortunately they happen, and the out of pocket costs following them can grow out of control. In the event that an insured person suffers a dismembered limb or passes away due to a covered accident, this policy will pay the elected benefit amount based on the schedule of benefits.

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Short Term/Limited/ Travel Medical

You can explore short term and limited health insurance options, as well as traveler policies, here. Choose a plan that fits your needs at the moment. These supplemental products can help fill the gap that your major medical plan may be missing.  Please understand that these kinds of policies DO NOT fulfill the minimum coverage requirements of the Affordable Care Act.  These are offered as a convenience to you, but they do not satisfy the health insurance requirement of your school and DO NOT constitute a valid waiver.

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Interested in getting coverage?

Fill out the form below or call 855.215.7510 and an agent will be with you shortly!

If you call 855.215.7510, you will be connected with a licensed agent to provide assistance in finding and enrolling in a plan. Our volume has increased due to Open Enrollment, but we care about getting your questions answered and helping you in a timely manner so we recommend calling if you are able.

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Interested in getting coverage?

Fill out the form below or call 855.215.7510 and an agent will be with you shortly!

If you call 855.215.7510, you will be connected with a licensed agent to provide assistance in finding and enrolling in a plan. Our volume has increased due to Open Enrollment, but we care about getting your questions answered and helping you in a timely manner so we recommend calling if you are able.

Contact us today! We'd love to hear from you.

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