Round out your coverage
These add-on plans are popular with employees and families because they are affordable and can be enormously helpful. They can protect you from the high deductible on your health insurance plan.
Explore some of the options below.
What Is Supplemental Insurance?
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.
And if you don’t have or can’t get health insurance, you could combine a few of these plans to give you at least some protection against unexpected healthcare expenses.
Most of these plans deliver significant value for the money. Check them out:
For active individuals and families, and accident plan is a very inexpensive way to help you meet your insurance deductible. In many cases this is likely your greatest risk of unexpected medical expenses.
Learn more about accident insurance here.
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. Telemedicine can save anyone a lot of time and hassle getting help with routine needs (like a sinus infection). If you don’t have health insurance, access to telemedicine can save you a lot of money too.
For telemedicine we recommend freshbenies.
Critical Illness Insurance
These plans pay a lump sum for things like heart attack, stroke, and cancer. If you have health insurance, they will help you meet your deductible and out-of-pocket expenses. They can also help relieve other costs like traveling for care or missed work.
Learn more about critical illness insurance.
Limited Benefit Plans
These plans are not health insurance plans (they are often sold like they are), but they will help you cover some of the costs of receiving care if you don’t have health insurance.
The Plan Enhancer
The “Plan Enhancer” from National General Insurance is a great way to bundle together two or more of these supplemental plans in one affordable package.
We carry this plan personally and believe it’s worth considering for most of our clients.
Learn more about the Plan Enhancer here
Let’s Talk About Supplemental Insurance
Got questions? Get in touch with us to find out what supplemental plans make sense for you.