Supplemental Health Insurance can be a good option for those who may want help with medical bills after their primary insurance has finished paying. As the name suggests, supplemental insurance works in combination with other insurance. It’s not designed to stand on its own or provide basic, primary health coverage – and it’s not for everyone.
When it comes to supplemental insurance, you can get additional coverage for a number of conditions or uses. Two primary examples of Supplemental Health Insurance are:
One type of supplemental plan, hospital indemnity insurance, provides fixed cash benefits for covered services, including hospital stays for emergencies and outpatient services. While policies vary, some major attributes of the plans include:
Cancer Supplemental Insurance plans provide patients with additional cash once the patient is diagnosed with cancer. Cancer rates are high in the United States and affect 1 in 2 men and 1 in 3 women during their lifetimes. As a result, families faced with a recent cancer diagnosis may face out of pocket expenses unrelated to medical expenses. Examples include loss of income, additional child-care expenses, travel and lodging expenses, deductibles and co-pays. Again, while policies offerings vary by company, the following are common examples of benefits for policyholders of Cancer Supplemental Insurance Plans:
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