Supplemental Health Insurance

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Supplemental Health Insurance

What exactly is Supplemental Health Insurance?  most people aren’t financially prepared for the unexpected financial burden of serious illness and accident. This is especially true if you are self-employed and a business owner.  An affordable supplemental health insurance plan can help control large out-of-pocket expenses that could affect you and your family.

We have partnered with the top carriers that will pay you directly cash benefits for the unexpected – accidents, cancer, heart attacks, stroke and hospital stays due to sickness.

ACCIDENT MEDICAL EXPENSE

 advantages

  • Pays covered out-of-pocket expenses not covered by other plans up to the selected benefit amount, no matter how many accidents you have.
  • No waiting period.
  • Accidental death and dismemberment benefits.

example

You are painting your house and fall off the ladder breaking your hip. Your deductible is $6,850 which you will have to fund as the average hip replacement costs a lot more. With this supplement you will only have to fund $250 and the balance will be fully covered.

CANCER / HEART / STROKE

 advantages

  • Lump-sum benefit for a covered first-ever cancer diagnosis and a covered heart attack or stroke.
  • Pays regardless of other coverage you have.

example

Following a routine colonoscopy you were diagnosed with colon cancer. After a year, your medical bills were really adding up! If this formed part of your plan, your entire deductible would be covered,  and you would have no out-of-pocket expenses

SICKNESS HOSPITALIZATION

 advantages

  • A lump-sum benefit paid on first covered day of hospital admission.
  • Pays regardless of other coverage you have.

 example

You are admitted to hospital with pneumonia and your bills exceed your $6,850 deductible. If this coverage formed part of your plan all of your out-of-pocket expenses would be covered.

 

Contact us to learn more about supplemental health insurance as well as ACA plan alternatives available now.