Supplemental Insurance

Supplemental Insurance

Types of supplemental policies. We're here to help you to choose the right option.

There are many types of supplemental plans that offer benefits in a variety of ways.

Add on benefits:
Dental and Vision are the most common add on benefits that people include in their health insurance package.

Fixed Indemnity Benefits:
These policies look and feel like regular health insurance. They will pay a facility or a provider a fixed dollar amount for certain events. For example: a fixed dollar amount for a stay in a hospital; ER visit; Ambulance ride; diagnostic exam – etc.

Lump Sum Supplemental insurance:
These policies will pay a one-time lump sum payment if you get diagnosed with a critical illness, such as cancer.

Accident Supplement Insurance:
These policies pay when you have an accident – at work, at home, or at play. There are a variety of accidental policies.



Disability Insurance:
These policies protect your income. There are accident only disability policies as well as accident and illness.

Medicare Supplemental Insurance

Medicare Supplement  Medigap Insurance. We're here to help.

With Medicare Supplement (Medigap policies), your primary insurance is Original Medicare. Medicare Supplements are standardized plans that fill the holes in Original Medicare Part A and Part B. Medicare Supplements do not include Prescription Drug coverage (See RX Drug section)

Depending on which Medigap plan you purchase (Plans run from A – N), these various plans fill in the many holes of Original Medicare Part A and Part B. Each of the letter’s designated to these Medigap Plans are standardized – no matter which insurance company you choose to provide your gap benefits, an A plan’s coverage is exactly the same. The only difference is the monthly premium that you pay for this plan.

When you have a Medicare Supplement Plan, you can go to any doctor who accepts Medicare. There is no network. You will present the provider with your Original Medicare card plus your Medigap card because Medicare will pay first, and your Medi-Gap plan will fill in the gaps that you choose to have covered based on the plan letter chosen for your coverage.