Major medical plans handle the big stuff. Supplemental coverage handles everything else: the deductible, the dental cleaning, the broken arm, the hospital stay that drains a savings account. Affordable add-ons that pay cash directly to you, when you need it.
Each of these is a stand-alone policy. Mix and match. They all stack together.
Cleanings, fillings, crowns, more
Exams, frames, contacts, lenses
Pays fixed cash benefits for covered events
Cancer, heart attack, stroke, etc.
Cash benefits for injuries
Income protection if you can't work
We'll build the stack with you, side-by-side, with no fee.
| Avg. family deductible | $5,400+ |
| Avg. ER visit | $2,600 |
| Avg. hospital stay (3 days) | $13,000 |
| Avg. dental crown | $1,500 |
| % of Americans w/ ≥$1,000 saved | 44% |
Industry averages. A small monthly premium can be the difference between a manageable bill and a financial crisis.
| Dental | $26 / mo |
| Vision | $10 / mo |
| Accidental injury | $22 / mo |
| Fixed indemnity | $88 / mo |
| Total | $146 / mo |
Sample only. Real quotes vary by carrier, age, and state.
"When I had emergency surgery, my Fixed Indemnity policy paid me $4,500 in cash within a week — the hospital had already sent me to collections."
Most people do. Even a "good" plan leaves a $3,000-$8,000 deductible, no dental, no vision, and no income protection. A small supplemental stack is the cheapest way to plug those gaps. And the benefits pay cash to you, not to a hospital.
Generally no. Indemnity and accident benefits paid to you are typically not taxed as income, because you're being reimbursed for medical events. We'll always recommend confirming specifics with a CPA.
Health insurance pays the doctor, hospital, or pharmacy. Supplemental policies pay you a fixed cash benefit when a covered event happens. You decide what to do with the money (deductible, bills, groceries, lost income, anything).
Yes. Many of these policies stand alone. They aren't a replacement for major medical, but if you're between plans or have catastrophic-only coverage, supplemental fills critical gaps.
Some do. Many don't. Employer plans often cover dental and vision, but rarely include accident, fixed indemnity, or critical illness. We can review your benefits booklet for free and tell you exactly what to add.
