Supplemental Insurances

These supplemental insurances provide financial benefits to the policyholder that traditionally fall outside the realm of a typical health insurance policy. Whether it is disability insurance to replace a portion of your income, accident insurance to aid in accident related costs or critical care insurance to cover expenses during recovery, they provide a financial safeguard. Policies vary from company to company. Let us help you evaluate the various benefits important to you.

Disability Insurance

Protect your paycheck! Many people don't insure what is probably their most valuable asset, their ability to work and earn income. Disability insurance pays benefits if you are disabled and unable to work because of an accident, illness or injury. It can help you pay your bills by replacing a portion of your income. Policies generally provide replacement of 50% to 80% of income. If you depend on your income to pay your bills consider disability insurance.

Critical Care Insurance

This supplemental insurance pays a lump-sum benefit upon diagnosis of a critical illness or condition, such as heart attack, stroke or cancer. This benefit is in addition to any other health insurance, it does not pay for each medical bill. This benefit provides monetary support to pay expenses such as monthly bills, mortgage and other expenses incurred so you can focus on recovery. Critical care insurance can help avoid the financial strain a major illness can create.

Accident Insurance

Designed to supplement your major medical plan, provides protection from a wide range of accident-related costs such as emergency room, hospital costs, x-rays, physical therapy, urgent care centers and more. Benefits are payable directly to you for covered expenses regardless of other insurance coverge you may have. Just as important, your policy stays with you even if you change your major medical insurance. Consider an accident policy for anyone seeking to reduce their out-of-pocket health care expenses.