Are you financially prepared for unexpected medical expenses? Even with health and life insurance, out-of-pocket costs can add up quickly. Supplemental insurance helps bridge the gap, covering expenses that primary health insurance may not.

While major medical or life insurance policies offer core benefits, supplemental insurance provides extra financial support for unexpected costs like hospital stays, treatments, or daily living expenses due to illness or injury.

Supplemental insurance plans cover various health conditions and situations, including:

✔ Cancer Insurance – Helps cover expenses related to cancer treatment.
✔ Heart Disease Insurance – Provides financial support for heart-related medical costs.
✔ Accident Insurance – Pays for medical care and related expenses due to accidents.
✔ Disability Income Insurance – Offers financial assistance if you're unable to work due to disability.
✔ Hospital Indemnity Insurance – Provides cash benefits for hospital stays and services.

These policies typically fall into two categories:

• Lump-Sum Policies – Pay a one-time benefit upon diagnosis of a covered condition.

• Expense-Based Policies – Reimburse specific medical costs related to a covered illness or accident.

Note: Policy options may vary by state and provider.

You may need supplemental insurance if:

✔ You already have primary health insurance.
✔ You are not financially prepared for the extra costs of a major illness or accident.

Supplemental insurance is not a replacement for primary coverage but can provide additional financial relief for unexpected medical bills, lost income, and other expenses.