Supplemental Insurance

Supplemental Insurance Information

We offer a diverse selection of supplemental and GAP plans. These plans pay a cash benefit directly to you when you get sick or injured. These can help fill financial gaps that you didn’t expect when you’re not working, or in the hospital. Th is cash can be used for anything, including out-of-pocket medical expenses like deductibles, offset loss of income, or just to cover everyday living expenses. How you spend it is up to you, but we’ll make sure it’s there for you.

Medical and GAP Coverage

A plan to cover unexpected costs like an ER visit, CT Scans, MRI’s, ambulance transport, short term care and rehab, and short hospital stays. These plans are designed to be flexible, and make sure that you have the cash to pay what your insurance plan doesn’t. It can help remove the sting of deductibles and out-of-pocket expenses. 


Critical Illness and Cancer

These plans pay cash when you experience a critical illness or cancer. This will help you focus on you and not the bills coming in. Generally these plans provide a lump sum cash benefit paid directly to you when the worst happens like a major illness such as, heart attack, stroke and many other types of illness including cancer.

Accident and Injury

82% of all ER visits are for accidents, and 2 out of every 3 people visit an ER in their lifetimes for some kind of accident. When this happens, you will likely have expenses you didn’t plan on. An accident plan can help cover these expenses or fill the gaps where your insurance leaves off. We offer both lump-sum, and per-incident level plan options.

Short and Long Term Disability

Disability insurance insures your greatest asset—YOU. Your ability to earn an income is paramount. Disability plans pay a monthly cash benefit when you are unable to work. These types of plans usually offer coverage for periods of disability due to an injury or illness. Some state regulations apply to disability insurance.

Hospital Confinement (Indemnity)

Even with good insurance, a hospital stay is very expensive. With recovery periods, missed work, deductibles and out-of pocket expenses, a supplemental hospital confinement plan is a must. These plans usually pay a daily cash benefit directly to you for hospital confinement or admittance. Like all supplemental plans, use the money for what you like.

Some rules apply to supplemental plans, and require you to have certain health insurance in-place to qualify. If you would like a quote, you need to talk to a broker.  We'll find out what’s right, and tailor a solution specifically for you.