Supplemental coverage: cash for the bills your plan leaves to you

Most health plans have a deductible you pay before the plan starts paying for many services. Hospital indemnity, accident and critical illness each pay you a set amount when something specific happens. They are built to work together, alongside your health plan.

Ask about supplementals How they work together

Hospital indemnity

When it paysYou’re admitted to the hospital.MoreLess

Some plans also pay for an ER visit or an ambulance ride. Each policy says what counts as an admission.

What it paysA set amount, paid to you, whatever the hospital bills.MoreLess

Paid per day or per stay. Use it for your deductible, copays, or rent while you recover.

Good ifYour plan has a high deductible, like most bronze plans.MoreLess

Also worth a look if a hospital stay would mean lost income, for example if you’re self-employed with no paid sick leave.

Keep in mindNot health insurance coverage. Some plans don’t pay for observation stays.MoreLess

An observation stay is when you’re in a hospital bed but not formally admitted. We check how each policy counts it before you choose.

Accident

When it paysYou have a covered injury, like a fall, a fracture or stitches.MoreLess

An ER visit for the injury can count too. Each policy lists what’s covered.

Critical illness

When it paysYou’re diagnosed with a covered serious illness.MoreLess

Typically a heart attack, stroke, kidney failure or certain cancers. Each policy lists exactly which ones count.

What your plan leaves exposed

Most health plans have a deductible you pay before the plan starts paying for many services. Here is what supplementals change.

Example: an accident puts you in the hospital for 3 nights. Your bronze plan has a $7,000 deductible.

Before

Your health plan on its own

$7,000out of your pocket before the plan pays

You pay all of it

The plan only starts paying after you cover the whole deductible.

After

With supplemental coverage

$4,500paid to you toward the deductible

Hospital indemnity $3,000

Accident $1,500

Rest of the deductible

Hospital indemnity and accident coverage pay you cash, so the deductible hurts a lot less. What they cost depends on your age and plan; we go through it in your free consultation.

Critical illness adds a lump sum if you are diagnosed with certain cancers or have a heart attack or stroke.

Dental and vision covers the everyday care your health plan leaves out.

Example amounts only. Real benefits depend on the policy you choose. Supplementals work alongside your health plan and do not replace it. Hospital indemnity and critical illness policies are not health insurance coverage.

How they work together

Each one pays for a different kind of bad day, so together they cover far more of the deductible than any one alone. Here is one example of a hard year.

An injury. Accident coverage pays a set amount for the ER visit and the fracture.
It turns into a hospital stay. Hospital indemnity pays for each day you are admitted.
A serious diagnosis. Critical illness pays one lump sum for the bills and the months off work.

Your health plan still pays the medical bills under its own rules. The cash from these policies goes to you, for the deductible, copays, or rent while you are off work.

Dental, vision and hearingCleanings, eye exams, glasses and hearing aids that health plans leave out for adults.See dental, vision and hearing

Questions people ask

Do these replace my health insurance?

No. They work alongside a health plan and pay you fixed cash amounts. Your health plan still pays for your medical care under its own rules.

Who gets the money?

You do, not the hospital. Use it for the deductible, copays, rent, or anything else while you recover.

Do I need all three?

Not always. Many people pick them together because each one pays for a different kind of bad day: an injury, a hospital stay, a serious illness. We look at your plan and your work and suggest only what fits.

Does accident coverage pay for illness?

No. Accident coverage pays only after covered injuries. Critical illness is the one for serious diagnoses.

Is a condition I already have covered?

Often not right away. Critical illness policies can limit pre-existing conditions and have waiting periods. We check before you choose.

What do they cost?

It depends on your age and the benefits you choose. We go through the options and prices in your free consultation.

Supplementals work alongside your health plan and do not replace it. Hospital indemnity and critical illness policies are not health insurance coverage. Benefits, limits and exclusions vary by policy. Costs depend on your age and the benefits you choose; we go through them in your free consultation. Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency.

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