Supplemental Health Plans for Individuals & Families
Your at the Right Place
What is Supplement Health Insurance? Supplemental health insurance costs much less than traditional health insurance but goes a long way to create a financial safety net for healthcare needs that your traditional health insurance doesn’t cover. There are different types of policies that cover certain things, such as hospital stays, accidents, or a sudden heart attack, or a diagnosis of cancer. Many policies pay cash benefits directly to you to cover copays, high deductibles, and even your bills when you can’t work.
Our Supplemental Health Policies
Don’t let medical bills wipe you out financially. Statistics show that 65% of all personal bankruptcies are due to medical bills. We can help you bundle an insurance package giving you the coverage you need, within your budget.
- Dental & Vision
- Telemed Plans
- Hospital Plans
- Accident Plans
- Disability Plans
- Critical Care
- LTC Plans
Dental Plans
Individual dental plans are inexpensive and can contribute greatly in promoting overall good health. They can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.
Vision Plans
Individual vision plans are similar to individual dental policies, as they are inexpensive and save you money on routine eye care, such as exams, eyeglass frames and lenses, contacts, and even offer big discounts on procedures like LASIK.
Telemed Plans
This Health and Wellness Option is very affordable and gives you access to a variety of discounted health services that include prescriptions, counseling, as well as telehealth solutions. Our telehealth solutions are easy-to-use and intended for non-emergency illnesses and general care. Members and their families have direct access to state-licensed and fully credentialed doctors, via phone or video consultations, to receive treatment (including prescriptions) and advice for common ailments, including colds, the flu, rashes and more.
Hospital Plans
A hospital indemnity policy is designed to supplement coverage to major medical, Medicare, and Medicare Advantage plans. With hospitalization costs soaring, hospital indemnity insurance is a very affordable strategy that helps people cover out-of-pocket costs when they have an expensive, unplanned hospital stay.
The plan will pay a lump-sum payment directly to the insured. The cash payment helps with out-of-pocket expenses and covers you when you are off work due to a hospital stay. The coverage is usually a set amount per day, per week, per month, or per visit depending on the benefit level selected.
Accident Plans
Accidents can happen anytime. Accident Insurance is very affordable and provides benefits in addition to your regular health insurance and/or disability insurance, in the case of a accidental injury. Thus, Accident Insurance can go a long way to protect you from financial hardship due to a great deal of medical, recovery and out-of-pocket expenses that follow accidental injuries.
In the event of a covered accident, Accidental Injury insurance pays benefits directly to you* or anyone you assign. How you use the money is up to you. Some policies can even pay benefits in as little as one day, based on time of claim submission. Benefit level choices to fit your needs and budget.
Disability Insurance
Disability Insurance protects your ability to earn a living during your working years. In other words, it protects one of your most valuable assets. This is pretty important considering that statistics show our chances are greater of becoming disabled than dying between the ages of 25 & 45. During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through a monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle.
Employer disability generally only covers minimum federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors in determining your cost and monthly benefit payment amount.
Short Term Disability allows for income payments until the insured recovers or maxes out the benefits (up to two years in some cases). Long-Term Disability can provide payments to 65, and even for life.
Critical Care Plans
A critical illness can prove disastrous to the financial future of both you and your family. Fortunately, surviving cancer, heart disease, stroke or other chronic illness is becoming increasingly common with medical advancement. Critical Illness and Critical Care Plans can help reduce the personal financial impact of these illnesses, which can quickly add up. This supplemental policy will provide a lump-sum cash payment when all policy terms and conditions are met. If you have a health insurance plan and/or disability insurance, this policy will provide benefits in addition to your other coverage. Benefit level choices to fit your needs and budget.
Long-Term Care Plans
Long-term care is usually not medical care and most often does not require a doctor or a nurse. Thus it is not covered by traditional insurance, Medicare, or even Disability. Long-term care services are more associated with performing tasks required for daily living such as dressing, bathing, eating, getting in/out of bed, toileting, walking or other basic activities. Examples of Long-Term Care include:
- Institutional Care: Nursing home, assisted living services, residential care facility, hospice care, adult foster home, respite care and more.
- Home Care: Home health care, adult day care, personal care, homemaker services, hospice care, respite care and more.
When the time comes for long-term care, if you have a Long Term Care Plan, you are in charge, rather than welfare.
Dental Plans
Individual dental plans are inexpensive and can contribute greatly in promoting overall good health. They can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.
Vision Plans
Individual vision plans are similar to individual dental policies, as they are inexpensive and save you money on routine eye care, such as exams, eyeglass frames and lenses, contacts, and even offer big discounts on procedures like LASIK.
Telemed Plans
This Health and Wellness Option is very affordable and gives you access to a variety of discounted health services that include prescriptions, counseling, as well as telehealth solutions. Our telehealth solutions are easy-to-use and intended for non-emergency illnesses and general care. Members and their families have direct access to state-licensed and fully credentialed doctors, via phone or video consultations, to receive treatment (including prescriptions) and advice for common ailments, including colds, the flu, rashes and more.
Hospital Plans
A hospital indemnity policy is designed to supplement coverage to major medical, Medicare, and Medicare Advantage plans. With hospitalization costs soaring, hospital indemnity insurance is a very affordable strategy that helps people cover out-of-pocket costs when they have an expensive, unplanned hospital stay.
The plan will pay a lump-sum payment directly to the insured. The cash payment helps with out-of-pocket expenses and covers you when you are off work due to a hospital stay. The coverage is usually a set amount per day, per week, per month, or per visit depending on the benefit level selected.
Accident Plans
Accidents can happen anytime. Accident Insurance is very affordable and provides benefits in addition to your regular health insurance and/or disability insurance, in the case of a accidental injury. Thus, Accident Insurance can go a long way to protect you from financial hardship due to a great deal of medical, recovery and out-of-pocket expenses that follow accidental injuries.
In the event of a covered accident, Accidental Injury insurance pays benefits directly to you* or anyone you assign. How you use the money is up to you. Some policies can even pay benefits in as little as one day, based on time of claim submission. Benefit level choices to fit your needs and budget.
Disability Insurance
Disability Insurance protects your ability to earn a living during your working years. In other words, it protects one of your most valuable assets. This is pretty important considering that statistics show our chances are greater of becoming disabled than dying between the ages of 25 & 45. During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through a monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle.
Employer disability generally only covers minimum federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors in determining your cost and monthly benefit payment amount.
Short Term Disability allows for income payments until the insured recovers or maxes out the benefits (up to two years in some cases). Long-Term Disability can provide payments to 65, and even for life.
Critical Care Plans
A critical illness can prove disastrous to the financial future of both you and your family. Fortunately, surviving cancer, heart disease, stroke or other chronic illness is becoming increasingly common with medical advancement. Critical Illness and Critical Care Plans can help reduce the personal financial impact of these illnesses, which can quickly add up. This supplemental policy will provide a lump-sum cash payment when all policy terms and conditions are met. If you have a health insurance plan and/or disability insurance, this policy will provide benefits in addition to your other coverage. Benefit level choices to fit your needs and budget.
Long-Term Care Plans
Long-term care is usually not medical care and most often does not require a doctor or a nurse. Thus it is not covered by traditional insurance, Medicare, or even Disability. Long-term care services are more associated with performing tasks required for daily living such as dressing, bathing, eating, getting in/out of bed, toileting, walking or other basic activities. Examples of Long-Term Care include:
- Institutional Care: Nursing home, assisted living services, residential care facility, hospice care, adult foster home, respite care and more.
- Home Care: Home health care, adult day care, personal care, homemaker services, hospice care, respite care and more.
When the time comes for long-term care, if you have a Long Term Care Plan, you are in charge, rather than welfare.
