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SUPPLEMENTAL HEALTH INSURANCE

Your Family's Extra Safety Net

Think of it as a financial safety net for your wallet. When unexpected accidents or illnesses happen, regular insurance doesn't always cover everything. Supplemental insurance steps in to help pay those extra bills, so your family can focus on getting better.

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A happy family feeling financially secure and protected.

Different Kinds Of Help

Accident

Pays you a fixed cash benefit when you’re injured in a covered accident.

Critical Illness

Pays you a lump‑sum cash benefit if you’re diagnosed with a covered serious condition like cancer, heart attack, or stroke.

Hospital Indemnity

Pays you a fixed cash benefit for each day you’re admitted to the hospital..

Short-Term Disability

Helps pay the bills if you can’t work for a short period due to a covered illness, injury, or recovery. It’s designed to protect your paycheck—not your medical bills

Dental

Helps pay for going to the dentist to get your teeth cleaned or a cavity fixed.

Vision

Helps pay for eye checkups and new glasses if you need them to see better.

How It Works In Real Life

The Broken Arm

Your child breaks their arm during a soccer game, and even with health insurance, the ER bill isn’t small. Accident insurance pays you cash to help cover those costs so it doesn’t hit your budget all at once.

Savings You Can See

You go in for your yearly eye exam and find out you need new glasses, but the frames and lenses add up fast. Vision insurance helps cover the exam and gives you an allowance toward glasses or contacts so you don’t pay the full cost out of pocket.

The Hospital Stay

You’re admitted to the hospital overnight after a sudden illness, and even with health insurance, the deductibles and daily hospital charges add up quickly. Hospital indemnity insurance pays you a set cash benefit for each day you’re in the hospital, helping you cover those extra costs without straining your budget.

A smiling, active family enjoying time together outdoors

Who Needs This Extra Help?

Families with active kids Because accidents, ER visits, and sports injuries happen fast — and the bills follow.
People with high‑deductible health plans Supplemental coverage fills the gap until your main insurance kicks in.
Anyone who relies on their paycheck Cash benefits help cover everyday expenses if an accident or illness keeps you out of work.
People who want predictable costs Fixed, lump‑sum payouts make unexpected medical events easier to manage.
Those who want peace of mind It’s extra protection so one bad day doesn’t become a financial setback.
Those who have a family history of cancer or coronary artery disease.

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Your Questions, Answered

Got questions? We've got simple answers. Here is everything you need to know about how this extra help works.

Do I still need regular insurance?

Yes, you definitely do! Regular health insurance is like your main shield that stops the biggest bills. Supplemental insurance is just a sidekick that helps with extra things the main shield doesn't catch.

Where does the money go?

The money usually goes straight to you or your family, not the doctor. You can use it to buy groceries, pay for a ride to the hospital, or cover anything else you need while you are sick or hurt.

Is it expensive?

Usually, no. Because it is extra help and not the main insurance, it costs a lot less. It's like buying a single slice of pizza instead of the whole pie.

What if I never get hurt?

That is actually great news! Just like wearing a seatbelt, you wear it hoping you never need it. But if an accident does happen, you will be very happy you have that extra protection.

Does it cover my teeth and eyes?

Yes, some special types do exactly that! If you need glasses to see the board at school or braces for your teeth, there are plans made just to help pay for those.

Can I use it for playing sports?

You sure can. If you break an arm playing soccer and need to get a cast, an accident plan can help your parents pay for the extra costs. It helps them focus on making you feel better.

What is a deductible (and does this help)?

A deductible is a set amount of money you have to pay first before the main insurance starts helping. Supplemental insurance can give you cash to help pay that tricky first amount!

How long does the extra money take to arrive?

It is usually pretty fast. Once you send in the papers saying you got hurt or sick, the insurance company tries to send the money in just a few days so it is there when you need it.