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Supplemental Insurance

Supplemental insurance covers expenses not handled by your primary insurance. This can include several things, such as elective dental work, accidental injury, or elective eye surgery. If you believe you would benefit from additional coverage, then a supplemental policy might be for you.

How it Works

It basically works along with a main insurance policy. You could get help paying for out-of- pocket medical expenses, like co-payments, deductibles, or coinsurance. The policy might pay cash over an extended period or may give you a one-time lump sum payment.

Just remember that supplemental insurance works with your existing insurance. It is not an insurance that you would use to replace your traditional coverage. But supplemental insurance offers several benefits. You can add the coverage that fits your needs.

Coverage Options Available in the United States

Critical illness coverage pays you cash when you are being treated for a specific illness. Cancer, heart attack, and stroke are usually covered here. But you must have this coverage before you get sick. You also must receive an official diagnose before you can collect the benefit.

Accidental death pays a benefit to your beneficiaries when you die. Hospital confinement pays weekly or monthly cash benefits when you have an extended stay in the hospital. Vision coverage helps you pay for things such as vision correction procedures.

Long term disability provides financial assistance when you are unable to work because of an injury or sickness. And long-term care pays for the cost of a nursing home, assisted living or a home healthcare aide.






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