Supplemental

 Sometimes life is unexpected, but out of pocket costs don’t have to be. Supplemental insurance can cover deductibles, co-payments, and other out-of-pocket medical expenses.

Dental and vision insurance are two major examples of additional coverage. Routine teeth cleaning can feel essential but costly. Contacts, glasses, and eye-exams may also add up. Supplemental insurance covers these costs and more. 

Unexpected illnesses lead to additional expenses. Critical illnesses often mean routine doctor or hospital visits, medication, and other treatments. They can also prevent the ability to work or provide for the needs of yourself and others. Supplemental insurance covers regular necessities that may feel unobtainable with the disease. These include transportation, childcare, household assistance, and normal living expenses. 

In the case of unexpected expenses, insurance payments are paid in lump-sum cash either weekly,  monthly or all at once. So, you don’t need to stress about high-deductibles or co-pays from a serious illness. You won’t need to weigh the cost of your care vs. home care. Supplemental insurance has you covered.

This extension to your current health insurance provides stability in unforeseen circumstances. It covers any holes in your current insurance.

Medigap - covers expenses not met by Medicare. This plan helps cover copayments, deductibles, and coinsurance associated with parts A and B of Medicare. Although it doesn’t offer prescription and drug coverage, it does give you the option of visiting any doctor in the United States who accepts Medicare.

Long-Term Care Insurance - protects your finances and independence by  providing you with options when you find yourself in need of long-term care.

Hospital Insurance- (hospital indemnity)  provides coverage for long or short term hospital stays. This type of plan provides assistance with patient balances and unexpected costs resulting from hospital stays.

Disability Insurance - Disability insurance helps protect a portion of your income in the event that you become too ill or injured to work. Depending on the plan, disability insurance will pay benefits for illness, and some disability plans will pay for injuries as well.

We even have supplemental plans just for seniors. Contact us for more information.