Health insurance and Medicare don’t always cover everything. That’s where supplemental insurance comes in — adding a layer of financial protection for out-of-pocket costs like deductibles, hospital stays, critical illness, or accident recovery.
With Sarah Rollins as your guide, you’ll get clear explanations and smart options that fit your lifestyle and budget. She’ll help you understand what’s worth considering — and what’s not — so you can make informed decisions with confidence.
Supplemental Insurance
Overview: Supplemental insurance provides financial support in the event of a serious illness or accident. It works alongside existing health coverage.
Popular Products:
- Accident Insurance: Helps pay for ER visits, surgery, or hospital stays due to an accident.
- Critical Illness Insurance: Covers major health conditions like cancer, heart attack, or stroke.
- Hospital Indemnity: Pays a fixed benefit for each day you’re in the hospital.
- Disability Income: Provides income replacement if you can’t work due to illness or injury.
Ideal For:
- High-deductible health plan holders
- Parents with active kids
- Self-employed individuals
Why Consider Supplemental Coverage?
- Bridge the Gaps – Cover expenses that your main plan doesn’t, like ambulance rides, cancer treatments, or daily hospital costs.
- Cash Benefits – Many supplemental plans pay you directly, so you can use the money however you need — bills, travel, or recovery time.
- Customizable Protection – Choose plans tailored to your age, health, job risks, or financial needs.
Types of Supplemental Plans
- Hospital Indemnity Insurance – Helps pay for hospital stays or surgery-related costs not covered by your main plan.
- Critical Illness Insurance – Lump-sum payments for serious diagnoses like cancer, heart attack, or stroke.
- Accident Insurance – Financial protection in case of injury from slips, falls, or unexpected accidents.
- Cancer Insurance – Extra support for treatment costs, transportation, and recovery.
- Short-Term Disability – Replaces income if you’re temporarily unable to work due to illness or injury.