Supplemental Health Insurance
Comprehensive Coverage for Every Need
In an instant everything can change – most people aren’t financially prepared for the unexpected financial burden of serious illness and accident. These supplemental insurance products are meant to complement primary health insurance by covering specific needs or expenses not addressed by standard plans, providing financial peace of mind for potentially high or unexpected costs.
Dental Insurance
Purpose
Covers dental care like routine check-ups, cleanings, fillings, extractions, and sometimes orthodontics or more complex procedures.
Structure
Often has annual maximum benefits, waiting periods for certain procedures, and separate deductibles from health insurance. Plans can be indemnity, network-based, or discount plans.
Cost
Monthly premiums vary; some workplace plans offer dental coverage at low or no additional cost.
Vision Insurance
Purpose
Aims to cover eye exams, eyeglasses, contact lenses, and sometimes discounts on LASIK or other vision correction surgeries.
Structure
Similar to dental insurance with annual benefits caps, copayments, and coverage for a limited number of eye exams or glasses/contacts per year.
Cost
Generally low premiums, often bundled with dental insurance or offered at workplaces.
Accident Insurance
Purpose
Provides a lump-sum payment or fixed benefits for injuries resulting from accidents, which can help with deductibles, copayments, or out-of-pocket expenses.
Structure
Pays benefits based on the type of injury or treatment received, not on actual medical expenses. No network restrictions.
Cost
Premiums are based on coverage levels chosen, with higher benefits leading to higher premiums.
Critical Illness Insurance
Purpose
Offers a lump-sum payment upon diagnosis of specific illnesses to cover treatment costs, living expenses, or lost income.
Structure
Benefit amounts are predetermined, and there’s often a waiting period before coverage begins for some illnesses.
Cost
Premiums depend on the illnesses covered, the benefit amount, and the policyholder’s age and health.
Hospital Indemnity Insurance
Purpose
Pays a daily or per-stay benefit if you’re admitted to the hospital, helping with costs like deductibles, coinsurance, or non-covered services.
Structure
Fixed benefit payments, not dependent on actual expenses. Can be used for any purpose.
Cost
Premiums vary based on benefit levels and coverage details.
Long-Term Care Insurance
Purpose
Covers services like nursing home care, home health care, or assisted living when chronic illness, disability, or aging prevents self-care.
Structure
Benefits can be daily or monthly amounts, with policies specifying what care is covered, duration of benefits, and sometimes inflation protection.
Cost
Premiums are influenced by age at purchase, benefit levels, and policy features like inflation protection.
Disability Insurance
Purpose
Replaces a portion of your income if you’re unable to work due to illness or injury.
Structure
Benefits are a percentage of your income, with short-term or long-term options. There are often elimination periods before benefits start.
Cost
Depends on income, occupation, age, benefit amount, waiting period, and benefit duration.
Cancer Insurance
Purpose
Similar to critical illness but specifically for cancer, providing benefits for diagnosis, treatment, and sometimes wellness checks.
Structure
Offers benefits for different stages of cancer care, from diagnosis through recovery or palliative care.
Cost
Varies based on coverage details and the policyholder’s risk factors.
Reliable
We have over 20 years of experience.
Certified
All of our agents are fully licensed and professionally trained.
Professional
Our entire agency meets the industry's standards.