Supplemental Insurance Options
Supplemental coverage options designed to help protect you from unexpected medical costs.
Supplemental insurance includes options such as accident, critical illness, hospital indemnity, and fixed indemnity plans. These policies are structured differently and are designed to provide benefits in specific situations. Learning how each type works can help you better understand what they are intended to cover.
Clear guidance. Confident choices.
Dental Insurance
Dental insurance helps make routine dental care more affordable while reducing out-of-pocket costs for unexpected procedures. Plans are available for individuals, families, and seniors, with options to fit a variety of needs and budgets.
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Coverage for preventive services such as cleanings, exams, and X-rays
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Benefits for common procedures like fillings, crowns, and extractions
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Individual and family plan options available
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Helps reduce the cost of both routine and major dental care
Key Details
Maintaining good oral health is important, as untreated dental issues can contribute to other health concerns, including heart disease, diabetes complications, and infections.
Vision Insurance
Clear vision plays an important role in everyday life, from reading and driving to working and enjoying your favorite activities. Vision insurance can help offset the cost of eye care services and corrective eyewear, making it easier to stay on top of your eye health.
Key Details
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Annual eye exams to monitor vision changes and eye health
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Allowances for glasses, lenses, and contact lenses
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Coverage options available for individuals and families
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Affordable plans designed to help manage vision care expenses
Routine eye exams can also uncover early warning signs of health conditions such as glaucoma, diabetes, high blood pressure, and other concerns that may not be noticeable otherwise.
Accident Insurance
Accidents can happen when you least expect them, whether at home, on the road, or during everyday activities. Accident insurance provides a cash benefit that can help with expenses resulting from a covered injury, giving you added financial support during recovery.
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Pays benefits for covered accidental injuries and related medical treatment
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Can help with costs such as emergency room visits, ambulance services, and hospital stays
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Benefits are paid directly to you and can be used however you choose
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Complements your existing health insurance coverage
Key Details
Having additional financial protection in place can help ease the burden of unexpected expenses and allow you to focus on recovery.
Critical Illness & Cancer Insurance
A serious illness can create unexpected financial challenges beyond medical bills alone. Critical illness and cancer insurance provides a lump-sum cash benefit upon diagnosis of a covered condition, helping you manage expenses and focus on your recovery.
Key Details
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Benefits available for covered illnesses such as cancer, heart attack, stroke, and other qualifying conditions
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Cash payments can be used for medical expenses, household bills, travel, or lost income
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Helps cover costs that may not be fully paid by traditional health insurance
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Coverage available for individuals and families
Having financial support during a major health event can provide peace of mind and help reduce the stress that often accompanies a serious diagnosis.
Hospital Insurance
Even with health insurance, a hospital stay can result in unexpected out-of-pocket expenses. Hospital insurance provides cash benefits for covered hospital admissions and stays, helping you manage costs while you focus on getting better.
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Benefits available for hospital admissions, overnight stays, and other covered services
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Cash payments are made directly to you
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Funds can be used for deductibles, copays, household bills, lost income, or other expenses
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Works alongside your existing health insurance coverage
Key Details
A hospital stay can be financially challenging, and this coverage can help provide added peace of mind when unexpected medical events occur.
Fixed Indemnity Insurance
Fixed indemnity insurance helps provide predictable benefits for covered medical services and expenses. Instead of paying a percentage of costs, these plans pay a set dollar amount for specific services, helping you manage out-of-pocket expenses and supplement your primary health coverage.
Key Details
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Pays fixed benefits for covered doctor visits, hospital services, and other medical expenses
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Can help offset deductibles, copays, and other out-of-pocket costs
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Benefits are paid regardless of other insurance coverage
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Offers an affordable way to add an extra layer of financial protection
This type of coverage can help provide greater financial predictability and support when medical expenses arise.