What is Supplemental Insurance anyway?   Get a Supplemental Insurance Quote

Major medical health insurance covers your hospital bills after a deductible and coinsurance. But if you are hospitalized you have lots of other bills and extra expenses that spring up. Most of these expenses are not covered by your health insurance. For example you may miss work. You might have to stay home to get better for weeks. You have a deductible to pay which sometimes can be in the thousands of dollars. Even if you are a mother at home without an income, a spouse or other person may have to take off work to care for you while you recover. The children would also have to be cared for. Health insurance pays for most medical bills, but what about the other expenses?

This is where Supplemental Health Insurance steps in. If you have a supplemental plan that pays you, say $500 - $1,000 for being admitted and $500 - $1,000 / day for being hospitalized you can pay for those bills and expenses that are a part of a hospitalization. The money is paid to YOU, not the hospital or doctor. This means you can use it to pay off your deductible and/or use it for the expenses described above.

The new HSA Health Plans have certain rules that take away the tax advantages of the HSA plan if you have certain types of supplemental plans. But we can help you pick the Supplemental Plans that DO work with the new HSA Health Plans.

Some people like the high deductible plans but worry about Accidents.  We have great Supplemental Accident Plans that can help you with these expenses. WBA has a great plan to help you in this situation. You pay a $100 deductible on each accident and then get either $5,000 or $10,000 of benefit depending on the benefit you choose.

Let us help you get a supplemental plan that works for you and for those you love.