Are you noticing gaps in your health insurance coverage? If they are turning into costly out-of-pocket expenses, don’t get frustrated. There is an affordable option available that can meet your unique health needs and lower your out-of-pocket expenses. Supplemental health insurance can bridge the gaps in your coverage without breaking the bank.

What does supplemental health insurance do?

When you are ill or injured, a supplemental plan works to cover what your regular health insurance can’t. For example, you may be ill and require time in the hospital. An insurance company will cover a certain percentage of your stay, and you are responsible for the rest of the hospital charges. The coverage you select with a supplemental plan could cover the rest of that hospital bill.

Supplemental policies work similarly to your regular health insurance. When you pay a set monthly premium, the insurance company agrees to provide you with benefits. However, the benefit process is different. Instead of paying hospitals and doctors, supplemental health insurance plans pay you! Many plan’s benefits can even be used like cash. They can help cover your medical expenses, plus things like lost wages or transportation.

How much does it cost?

Surprisingly, the premiums can be lower than $1 per month, depending on the coverage type and level. Compared to the potential benefits, ranging in the thousands, that’s extremely affordable.

What does it cover?

Supplemental health insurance comes in many different categories. Each of these is specific to medical coverage needs:

Each category allows you to choose a coverage level, which affects your monthly premium and the benefit amount you can receive. If you have a family medical history that involves life threatening ailments, a supplemental health insurance policy may save you or your family thousands in out-of-pocket expenses.

How much money could you save?

By spending less than $1 per month, you could save thousands on broken bones, extended hospital stays, or rehabilitation. Critical illnesses, and even cancer, don’t have to put you into debt. With a supplemental health insurance policy, you can both bridge the gaps in your current health insurance coverage and have a financial cushion if you have an unexpected ailment.

If you would like to discuss your supplemental health insurance options with a licensed, professional insurance agent, give me a call today.



1 Premium initial quote for adult female with $5,000 benefit level. Actual benefits and rates vary by state. The supplemental benefits referenced are taken from Accidental Injury Only Policy Form CH-26118-IP (01/10), or its state variation which is underwritten by The Chesapeake Life Insurance Company. Administrative offices located in North Richland Hills, TX. Product availability varies by state. A complete list of benefits, exclusions and limitations is available upon request. Please contact a licensed agent and refer to the Policy.

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