Do I want Supplemental Health Insurance?
A supplemental health insurance plan is a health care plan that covers anything above and beyond the medical coverage of your current health insurance plan.

Supplemental health plans can provide added medical coverage, or, can also be purchased to cover costs not covered by your basic health insurance plan, such as co-insurance, co-pays and deductibles.
Here Are a Few Examples of Supplemental Health Insurance Plan Types:
Dental insurance for adults
Critical Illness Insurance
Vision Insurance Plans
Disability Insurance
Supplemental Travel Insurance for Healthcare coverage when you are outside your health insurance network
Long term care insurance
Short term health insurance coverage
Medicare or Medicaid Supplemental Plans
How Does a Supplemental Health Insurance Plan Work? Supplemental insurance pays benefits to the insured. Some popular supplemental health insurance policies are disease specific insurance such as:
for cancer
accidental death and dismemberment insurance
accident health insurance, and hospital indemnity insurance
Medigap (Medicare supplemental health insurance)
Finding a Good Health Insurance Policy Before you invest in supplemental health insurance, let's meet to discuss your current coverage and any coverage your spouse may have. Then we will want to discuss your specific needs and find a few options to choose from.
An insurance review is something I do with clients on a regular basis.
Examples of Supplemental Health Plans Critical Illness or Disease Specific Insurance is a type of supplemental health insurance provides a cash benefit paid directly to you if you require treatment for a specific disease such as cancer.
Accident Health Insurance or Accidental Death and Dismemberment Supplemental Insurance is a type of supplemental insurance that would reimburse you for medical costs resulting from accidents. Premiums are usually low and accidents can include car accidents, accidents in the home or at your job.
Hospital Indemnity Insurance provides a daily, weekly, or monthly cash benefit if you are confined to a hospital stay. Usually there is a minimum hospital stay before benefits are paid.
Contact our team RCB & Associates, we'll help you figure it all out.