Supplemental Health Insurance Plans

Supplemental insurance plans are meant to cover any gaps that may be left by your regular health insurance plan. When you shop for a plan with Health Quote Gurus, we can help you save significant costs on healthcare each year. 

What is the Affordable Care Act?

The Affordable Care Act (ACA) has made it easier than before for many citizens to find a health plan, but plans can still be pricey and hard to balance along with everyday expenses.Some may have to accept cheaper marketplace plans that fail to cover all their needs.

With supplemental insurance, you’ll have peace of mind knowing you’re covered even if your regular health insurance leaves gaps. Your regular health insurance plan will likely cover basic medical costs like preventive care and potential hospital stays. Whether you should look for an additional policy will depend on your needs, so let us walk you through each basic type of supplemental insurance.

Critical Illness Insurance

Also called catastrophic illness insurance, this supplemental plan is intended to cover the medical expenses of major illnesses and events like cancer, heart attacks, strokes, and more. While you may believe that you’ll be protected in case of such events with a standard health insurance plan, the costs of a serious illness are often higher than standard plans will cover. A serious sickness is always a tremendous burden on the sufferer and their family members, and paying out-of-pocket expenses can be financially crippling.

Critical illness policies generally provide a lump sum cash benefit to help cover costs. Depending on the plan, you may be eligible for coverage on fees related to the illness like transportation and additional care. There are some exclusions, such as most chronic illnesses, but Health Quote Gurus can help you find the right plan if needed.

Hospitality Indemnity Plans

Frequently called ‘hospital insurance,’ this kind of supplemental insurance is meant specifically for covering hospital stays. Most hospital insurance plans should cover planned or unplanned hospital visits and help cover deductibles and possibly related costs like prescription medication.

Plans include calendar year maximums on benefits you can receive, but considering the average hospital stay is around $10,000, this extra help can be a financial lifesaver.

Accident Insurance

There are two main types of accident insurance, although they are often packaged together. These are accident health insurance and accidental death and dismemberment insurance. Accident health insurance protects you in case of a covered accident and related costs such as surgery, hospital visits, and physical therapy.

Accidental death and dismemberment policies typically pay a lump sum to the beneficiary of someone who dies in an accident. As the name suggests, they may also pay an amount related to loss of limb or other permanent injuries. These plans do not cover deaths or injuries resulting from suicide attempts or illnesses. Accident insurance tends to be most popular with those who have high-deductible insurance in exchange for low monthly premiums, since these plans offer financial protection in case of unlikely catastrophes.

Disability Insurance

Disability coverage is a type of supplemental health insurance that covers workers who become either too sick or too injured to keep working.

Disability insurance is provided by many types of organizations, and the rules for what’s considered a disability may change depending on the provider.

There are multiple ways to obtain disability insurance, including signing up with an employer or purchasing insurance from a private agency. This type of insurance is generally considered a basic right for workers, and we can help you find a plan if you’re facing difficulty.

Dental & Vision Insurance Plans

While the ACA requires marketplace health plans to include pediatric vision and dental insurance, there is no such requirement for adults. In fact, these advantages are typically not included in regular health insurance plans for adults. Original Medicare also doesn’t include these benefits, although some Medicare Advantage plans do.

If you’re looking for dental or vision insurance as an adult, the most common options are to sign up with an employer or to purchase them as supplemental health insurance. Employer insurance will cover a portion of the premiums, and there are a wide variety of coverage options on the market.

Is Supplemental Insurance Right for You?

Supplemental insurance is heavily advertised and generally isn’t that expensive, but additional coverage may not be necessary for all individuals or families. 

You’ll first need to check if all of your needs are covered by your regular insurance policy. If you find gaps, then a supplemental plan may be a good idea, but you’ll need to carefully study the benefits you can receive, all applicable limits, and any other possible restrictions. 

If you think you could benefit from supplemental insurance, then let us go over your needs and find a health insurance plan that works best for you. 


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