Supplemental insurance is extra coverage that helps pay for expenses not fully covered by your primary health, Medicare, or life insurance policy. It can help with:

• Deductibles, copays, and coinsurance
• Lost income due to illness or injury
• Out-of-pocket medical costs
• Non-medical expenses like rent, groceries, and childcare during recovery

• Accident Insurance: Pays a lump sum for injuries from accidents (e.g., fractures, burns, ER visits).
• Critical Illness Insurance: Provides a cash payout for serious conditions like cancer, heart attack, or stroke.
• Hospital Indemnity Insurance: Helps cover hospital stays, surgeries, and inpatient services.
• Disability Insurance: Replaces a portion of your income if you’re unable to work due to injury or illness.
• Medicare Supplement (Medigap): Covers out-of-pocket costs like deductibles and copays for Medicare beneficiaries.

Most supplemental policies pay benefits directly to you, not to doctors or hospitals. This means you can use the money however you need—whether it’s covering medical bills, rent, groceries, or other expenses during recovery.

Yes, dental and vision insurance are often considered supplemental insurance plans because they provide additional coverage beyond standard health insurance. Most health insurance plans, including ACA Marketplace and Medicare, do not include routine dental and vision care, so it’s beneficial to often purchase these plans separately.

• Dental Insurance helps cover costs for preventive care (cleanings, exams, X-rays), basic procedures (fillings, extractions), and major procedures (crowns, root canals).
• Vision Insurance helps pay for eye exams, prescription glasses, contact lenses, and sometimes discounts on LASIK surgery.