Supplemental Coverage Made Simple

Supplemental insurance provides defined benefits for certain covered illnesses, injuries, treatments, or services. It is designed to complement—not replace—comprehensive health insurance.

Depending on the policy, benefits may be paid directly to you, assigned to a provider, or paid according to a scheduled benefit. Payment rules and documentation requirements vary by carrier and product.

Hospital indemnity insurance generally pays fixed benefits for covered hospital admissions, confinement, or related services. It is not major medical insurance, and benefit amounts may not equal the actual medical bill.

Critical illness insurance may pay a lump-sum or scheduled benefit after a covered diagnosis such as cancer, heart attack, or stroke, subject to the policy’s definitions, exclusions, waiting periods, and limitations.

Yes, separate dental and vision plans may help with covered preventive and restorative services, eye exams, glasses, or contacts. Networks, waiting periods, annual maximums, and covered services vary.