Supplemental coverage
For the costs your health plan doesn't cover.
Deductibles, time away from work, travel to specialists, childcare during recovery — supplemental plans pay cash benefits directly to you, so a health event doesn't turn into a financial one.
Accident
Benefits for emergency room visits, fractures, imaging and follow-up care.
Critical illness
A lump-sum payment on diagnosis of cancer, heart attack, stroke and other covered conditions.
Hospital indemnity
Fixed daily benefits for admission and confinement, useful alongside high-deductible plans.
Commonly paired coverage
- Accident and injury plans for active families
- Critical illness and cancer coverage
- Hospital indemnity alongside high-deductible medical plans
- Short-term disability and income protection
- Long-term care planning conversations
- Employer-offered voluntary benefit alternatives
Common questions
How are benefits paid?
Usually as cash directly to you, not to a provider. You decide whether it covers a deductible, groceries or the mortgage.
Do these replace health insurance?
No. Supplemental plans sit alongside a medical plan and are designed to reduce your out-of-pocket exposure.
Are they expensive?
Most cost a modest monthly premium — often less than what a single deductible would cost you out of pocket.
Next step
Let's find the right coverage together.
A short conversation is all it takes. Andrea compares plans across major carriers and walks you through the options in plain language — at no cost to you.