Let’s be real, no single health plan covers everything perfectly. Even the best ACA, employer, or private plans leave gaps. That’s where supplemental coverage comes in.

This isn’t full coverage on its own, it’s the add-on that helps you avoid financial disaster when life throws a curveball. It’s like having a backup parachute: you hope you never need it, but if you do… you’ll be really glad it’s there.

Supplemental coverage is designed to pay you, not the doctor or hospital, when specific events happen, like an accident, serious illness, or hospital stay.

You can pair it with:

• ACA/Marketplace plans

• Employer health insurance

• Private or short-term medical plans

It helps cover the out-of-pocket costs your main plan doesn’t, like high deductibles, copays, coinsurance, and lost income.

This kind of protection is perfect for people who:

• Have high deductibles or coinsurance

• Are self-employed or don’t get paid time off

• Want to protect savings or income during an emergency

• Have kids in sports or a physically demanding job

• Are worried about “what if” scenarios like cancer or accidents

• Need more affordable monthly options without sacrificing protection

Here are the most common types of supplemental coverage I offer (and recommend):

Sickness Hospitalization

Pays a lump sum or daily benefit if you’re admitted to the hospital due to illness (not injury).

Accident Plans

Pays a set amount for ER visits, broken bones, stitches, ambulance rides, and more. Anything accident related.

Cancer, Heart Attack & Stroke (CHS)

Pays out if you're diagnosed or treated for a major condition like cancer, heart attack, or stroke. It covers expenses or lost income.

Less Robust Indemnity Plans

Great for people who want some coverage at a lower monthly cost. These typically pay fixed dollar amounts per service used (like $100 for a doctor visit, $500 for a surgery, etc).

Critical Illness or Recovery Plans

Helps with expenses if you’re sidelined by a major diagnosis or surgery. Some even offer wellness benefits.

Supplemental coverage is like insurance for your insurance. It gives you options, control, and peace of mind, especially when your main plan leaves you exposed. It’s usually affordable and customizable to your needs so you’re never overpaying for what you don’t need.

Want help figuring out if it’s a fit for you?