Supplemental Health Insurance means Cash Benefits.
Helps pay deductible, coinsurance and copays (or you can use the cash for anything else!)
Accident: 24 hours and 7 days a week coverage for injuries. Benefits for doctor visits, emergency room, hospital admission as well as other covered medical expenses. Good for families with active children in sports, gymnastics, or dance. Adults riding motorcycles, driving daily on busy freeways, or attempting to win marathons, bike races, or the DIY house repair man or woman.
Cancer: Covers benefits upon diagnosis of internal cancer. Also, pays cash benefits above and beyond the coverage from your major medical insurance coverage.
Critical Illness: Lump sum benefit for a list of critical illnesses including heart attack and stroke.
Hospital Indemnity: Pays cash benefit for hospital admission and prolonged hospital stays for sickness or injury. This will help cover the hospital deductible with your major medical insurance plan. This plan will reduce and cover out of pocket medical costs from a serious illness or injury that requires a hospital stay.
Short-Term Disability: Referred to affectionately as "paycheck insurance". Insuring your livelihood is common sense especially when you are living paycheck to paycheck. Young women who are planning on having children could use this plan for maturnity leave benefits.
Long-Term Disability: For catastrophic loss in the ability to work for a long term period coverage usually for five years or extends to retirement age.
Dental: PPO covers 100% preventative. 80% basic, 50% major dental work. Also dental indemnity plans available with out of network coverage. Includes vision exam coverage. Eyeglasses or contact lenses benefit.