Supplemental Insurance

These are popular with employees and families because they are affordable and can be enormously helpful. There are more options than just the quacking duck you see on commercials.

Scroll down to see some options.

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accident insurance

Accident Insurance

Accident plans will reimburse you for medical care that results from any kind of accident.

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Telemedicine

Give your employees and family access to doctors on-call 24/7/365 with no copay.

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Critical Illness

Critical Illness insurance pays out a lump sum for heart attack, stroke, and most cancers.

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Whether you’re looking to protect your family or provide next-level benefits for your employees, we have supplemental insurance options that will give you a lot of bang for your buck.

We are not in the business of nickel and diming our clients, but we are in the business of making you aware of your options. While there are many similarities between the group market for small employers and the individual market for families, we’ll break down each below.

Supplemental Benefits for Employers

There are two was you can do supplemental benefits as a small employer:

  1. Voluntary. In voluntary benefits, the employees pay 100% of the premium for whatever benefits they select. Typically this is done via payroll deduction.
  2. Non-Voluntary. Here the employer is paying the premiums as part of an employee benefits package for employees. You usually get slightly better rates doing it this way, and a lot of goodwill from your team.

If you choose to set up a voluntary benefits plan, typically we will select one insurance carrier that offers multiple plans, and allow the employees to choose what they want.

If the employer is going to pay, you may decide to go with plans from different carriers depending on price.

Here are some of the supplemental benefits that are commonly offered:

  • Dental insurance
  • Short-term and/or long-term disability insurance
  • Accident insurance
  • Cancer / Critical Illness insurance
  • Telemedicine
  • Life insurance

 

Supplemental Plans for Individuals and Families

 

Supplemental plans are a great way for families to protect themselves against the very high deductibles and out-of-pocket maximums that go along with most individual health insurance plans. Here are a few of the options:

  • Accident plans — For active individuals and families, and accident plan is a very inexpensive way to help you meet your insurance deductible.
  • Critical illness — These plans pay a lump sum for things like heart attack, stroke, and cancer, and can help you meet your deductible and/or help make up for lost wages.
  • Telemedicine — Anyone with a high copay (or no copay at all) can save a lot of time and money by consulting with doctors 24/7 over the phone or web with no copays.

While not typically considered “supplemental” for individuals (because they don’t really have anything to do with your health insurance), dental insurance and term life insurance are also very common and can be very important for any family.