Give Your Health Package a Boost
Coverage Beyond Your Regular Health Plan
Supplemental insurance benefits let you improve your personal and family coverage by building up your benefits package without changing your regular health insurance plan. Supplemental benefits pay you directly, not the health providers.
Most people are concerned about being better prepared for unforseen health situations and the large budget-busting claims that can result, even after your regular health insurance pays its share. Situations such as:
Accidents on- and off-the job
Hospital admission or observation
Critical illnesses, like cancer, heart attack or stroke
Can you afford unexpected health bills? Does your household have an emergency expense fund that can cover a $400 or higher health expense? Can you cover your deductible? Will you have to miss work and lose income? How much will follow-up care cost?
If you’re concerned your household will need extra cash for unexpected health bills, look into our sponsored Supplemental benefits that will give you “indemnity” coverage – beyond your regular health insurance plan or your Medicare coverage – by paying cash benefits directly to you. Use the supplemental cash benefits to help with:
- Medical plan deductibles, copays and coinsurance – amounts you must pay under the provisions of your regular health plan when large claims happen.
- Services not fully covered – such as physical therapy, rehabilitation, emergency room and ambulance, major diagnostic exams, high-cost drugs, out of network providers.
- Non-health related expenses during recovery – such as housekeeping, childcare, rent or mortgage payments, lost earnings – or any other out-of-pocket expenses, since you decide how to use your supplemental cash benefits.
How these Supplemental benefits work
Three Supplemental benefits are available: Personal Accident, Hospital Recovery and Critical Illnesses. You can enroll yourself and your family in any one or all three of these Supplemental insurance benefits. Issue ages: 18-65 (higher ages available in some states).
They work as a “Benefit Bank” where you select the dollar amount of the supplemental benefit that will be available to you during the year, so you get the dollar level of benefits you want. Your Benefit Bank for each benefit is then replenished each January.