Why Supplemental Insurance Matters
Even with health insurance or Medicare, many expenses aren't fully covered. Deductibles, copays, lost income, recovery costs, dental work, and funeral expenses can create financial stress when you least expect it.
Supplemental insurance provides cash benefits that can be used however you need — whether that's paying medical bills, covering household expenses, or protecting your family's financial future.
Key Benefits:
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Cash benefits paid directly to you
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Helps cover out-of-pocket medical costs
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Protects savings and retirement income
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Complements Medicare, employer plans, or individual health insurance
Supplemental Coverage Options
01.
Final Expense Insurance
Protect Your Family From Final Expenses
Final expense insurance is designed to help cover funeral costs, medical bills, and outstanding expenses after a loved one passes away. These policies are typically affordable, easy to qualify for, and provide peace of mind knowing your family won't face financial hardship.
Best for:
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Adults age 50-85
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Seniors without life insurance
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Families planning ahead
02.
Hospital Indemnity
Cash Benefits When You Need Them Most
Hospital indemnity and recovery care plans pay you cash benefits for covered hospital stays and recovery periods. These benefits can be used for anything — from medical deductibles to groceries and rent.
Best for:
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Medicare beneficiaries
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Individuals with high deductibles
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Anyone concerned about hospital-related expenses
03.
Critical Illness ( Cancer, Heart Attack & Stroke
Financial Protection at Diagnosis
A critical illness diagnosis can be life changing — financially and emotionally. These plans provide a lump-sum cash payout after diagnosis of a covered condition, helping you focus on recovery instead of bills.
Best for:
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Adults 45-64
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Families with income dependents
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Those with limited savings
04.
Dental, Vision & Hearing Flex Plans
Everyday Care Made Affordable
Many health and Medicare plans offer limited dental, vision, and hearing coverage. Flex plans help reduce out-of-pocket costs for routine care and major services.
Best for:
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Seniors on Medicare
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Individuals without employer benefits
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anyone prioritizing preventive care
05.
Short-term Care Insurance
Prepare Today to Make a Better Tomorrow
When one health care situation leads to in-home or nursing facility assistance, it can quickly deplete your savings. Short-term Care insurance not only helps you maintain an active lifestyle and stay in your home, but it also makes sure your retirement is well protected.
Best for:
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People age 65 and over
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Medicare eligibles
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People unable to qualify long-term care insurance
