Supplemental Insurance Plans are those that work toward a very specific task; be it the worry of cancer, an accident or even an unplanned hospital stay, Supplemental Benefits can be the difference between a personal financial crisis and knowing that you[re protected from all sides against an unplanned emergency.
SUPPLEMENTAL BENEFIT CARRIERS
You’d expect your insurance company to cover your medical expenses in the event of a cancer diagnosis. While it’s true that they will pay for the majority of the costs, the extra expenditures are where supplemental insurance comes in. Cash benefits are delivered directly to you (unless assigned otherwise), so you can use it anyway you see fit. We carry both Lump Sum benefits as well as Per Treatment plans.
Our hospital insurance helps with the expenses not covered by major medical, which can help prevent high deductibles and out‐of‐pocket expenses from derailing your life plans. Choosing the right combination of benefits can be hard. Let us help make it easier.
Accident policies are exactly what they sound like. We currently offer supplemental accident insurance plans from multiple carriers that help with what your health insurance plan might not cover in the case of an unexpected emergency. The plans pay cash benefits directly to you (unless assigned otherwise) to be used however you choose.
Critical Illness Insurance
There are always major illnesses that can completely interrupt our lives and catch us unaware. Use our critical illness insurance (we offer multiple carriers) to help with the treatment costs of life-changing illnesses and health events, so you can stay focused on recuperation. Benefits are paid directly to you so you can use them where you need them most.
Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured. The insurance company promises a death benefit in consideration of the payment of premium by the insured.
Long Term Care
A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease. Long Term Care facilities are especially expensive now days and the best way to plan for the unexpected is to prepare early. This is a wonderful supplement to Major Medical and Medicare plans to ensure that your finances are protected.
Final expense insurance is a type of whole life insurance designed to cover medical bills and funeral expenses when you pass. A final expense policy is also known as burial or funeral insurance and while it is unpopular to talk about, it’s an inexpensive way to ensure that your loved ones won’t have to worry about these expenses when the time comes.
THE PROCESS TO BUY
To hear most agents tell it, Supplemental Benefits are a “must have“, and while they are definitely amazing products to protect you and your loved ones financially in the case of an emergency, we still consider them to be “Supplemental“ and will never pressure you into buying one. We offer multiple carriers to choose from and will work with you to find what plans will help you best. Please allow us to go over your needs and find the plans that are best for you.
ONLINE QUOTING TOOL
If you want to “test the waters” before deciding what products best fit your needs, please check out our online quoting tool offered by SureBridge. While you can buy the products directly through this link, we are happy to speak with you directly to see if another carrier will fit you better.