Extra Protection When You Need It Most
A cancer diagnosis, heart attack, or stroke means more than medical bills. Supplemental insurance pays cash directly to you, giving you flexibility when facing a serious health event.
The Costs Health Insurance Doesn't Cover
When a major health event happens, the expenses go far beyond medical bills:
- • Lost income, time off work for treatment and recovery
- • Travel costs, getting to specialists or treatment centers
- • Childcare, when you can't be home
- • Mortgage/rent, bills don't stop because you got sick
- • Out-of-pocket medical costs, deductibles, copays, experimental treatments
- • Home modifications, accommodations needed for recovery
Your health insurance covers the hospital. Supplemental insurance helps cover everything else.
Cash Benefits When You Need Them
Supplemental insurance is different from traditional health insurance:
You receive a diagnosis
Covered by your policy (cancer, heart attack, stroke, etc.)
You file a claim
With proof of diagnosis
You receive a cash benefit
Paid directly to you, not the hospital
You use it however you need
Bills, lost income, travel, anything
There are no restrictions on how you spend the money. It's yours to use as you see fit.
Types of Supplemental Coverage
Cancer Insurance
Financial support for a cancer diagnosis
Cancer insurance pays a lump sum or ongoing benefits when you're diagnosed with cancer. Benefits can help cover deductibles, experimental treatments, travel to specialists, and living expenses during treatment.
- Initial cancer diagnosis (lump sum)
- Ongoing treatment benefits
- Radiation and chemotherapy
- Hospital stays
Heart Attack & Stroke Insurance
Protection for cardiovascular events
These policies pay cash benefits when you experience a heart attack, stroke, or other covered cardiovascular event.
- Heart attack
- Stroke
- Coronary artery bypass surgery
- Heart valve repair/replacement
Critical Illness Insurance
Broader coverage for major health events
Critical illness policies cover multiple conditions in a single policy, typically including cancer, heart attack, stroke, and often additional conditions.
- Cancer
- Heart attack
- Stroke
- Kidney failure, major organ transplant, paralysis
Hospital Indemnity Insurance
Cash for hospital stays
Hospital indemnity pays a daily or per-admission benefit when you're hospitalized, regardless of the reason. It helps offset high deductibles and lost income.
- $100-$500 per day in the hospital
- Admission benefit (lump sum when admitted)
- ICU benefits (higher daily rate)
- Works alongside any health insurance
Is Supplemental Coverage Right for You?
Consider supplemental coverage if you:
- Have a high-deductible health plan
- Would struggle financially if you couldn't work for months
- Have a family history of cancer, heart disease, or stroke
- Want extra protection beyond what Medicare or health insurance provides
- Are the primary income earner for your family
- Want peace of mind knowing you have a financial cushion
Common Questions
Is this the same as health insurance?
No. Health insurance pays your medical bills. Supplemental insurance pays cash directly to you that you can use for anything, medical costs, bills, lost income, whatever you need.
Can I have supplemental insurance and health insurance?
Yes. Supplemental coverage works alongside your health insurance. You can have both.
What if I already have cancer or heart disease?
Pre-existing conditions are typically excluded. However, some policies may cover new diagnoses or recurrences after a waiting period. We can discuss your specific situation.
How much does supplemental insurance cost?
Premiums depend on age, health, and benefit amount. A 50-year-old might pay $25-$50/month for cancer insurance. We'll get you specific quotes.
When would benefits be paid?
Typically within 30 days of filing a claim with proof of diagnosis. The process is usually much simpler than filing health insurance claims.
Protect Yourself Beyond Medical Bills
When a major health event happens, you'll have enough to worry about. Let's make sure money isn't one of them.
Or call 904-217-8368