Supplemental Health Insurance

Supplemental health insurance provides additional benefits for high out-of-pocket expenses in the event of a covered accident or critical illness. In many cases, these plans work alongside your major medical insurance. These plans do not coordinate with other health benefit plans.

Why Get a Supplemental Health Plan?

Unlock Your Benefits

ACA-compliant medical plans may provide low- or no-cost preventive care, but when it comes time to use your benefits, they also often come with a high deductible.

Medical gap + hospital plans provide additional benefits to help minimize out-of-pocket costs.

Adult Oral Health

Don’t overlook oral health! Dental care is not one of the essential health benefits guaranteed under Obamacare if you’re over 17.

Dental insurance is an important consideration whether you’re an adult with an ACA plan or you’re relying on alternative health insurance.

Enroll Anytime

Unlike major medical plans, there’s no open enrollment period for supplemental insurance.

You can obtain coverage anytime you need it as long as you qualify.

Enroll today and have coverage tomorrow!

Types of Supplemental Insurance

Gap Health Insurance

Gap health insurance pairs with your high-deductible major medical plan to provide benefits for covered accidents or illnesses.

This lump sum payment can be assigned to your provider or reimbursed directly to help pay for all or part of your major medical deductible, or any other out-of-pocket expenses you incur while you’re recovering, including prescriptions, living expenses and lost wages.

Learn more about gap health insurance

Need gap coverage tomorrow?

Quote + enroll today!

Dental Insurance

Adults are not required to carry dental insurance, and dental coverage is not one of the ACA’s 10 essential health benefits if you’re over 17. However, good oral health is critical to good overall health.

Dental insurance can help with out-of-pocket expenses relating to X-rays, simple extractions, annual cleanings and routine oral exams, fillings and even oral surgery.

Learn more about dental insurance

Need additional dental benefits?

Quote + enroll today!

Hospital Insurance

Hospital indemnity plans (HIP) provide coverage specifically for hospitalization. These are “fixed” benefit plans that pay a set reimbursement per day, week, month or visit regardless of the expense incurred.

Learn more about hospital indemnity plans

Critical Illness Insurance

Most critical illness policies provide a lump sum benefit for covered illnesses depending on the severity of the condition and how long you’ve had your policy.

You can use the benefit however you wish, whether to help with household bills, pay down your major medical deductible or help cover medical costs that your major medical policy doesn't cover.

Learn more about critical illness insurance

Accident Insurance

These policies typically pay a fixed amount when you experience a covered injury such as a sprain, dislocation, fracture, or burn. Some policies may also provide a monthly disability income benefit.

You can use the benefit however you wish, such as towards household bills, your major medical deductible, or any additional out-of-pocket medical costs you're responsible for.

Learn more about accident insurance

Who is Supplemental Health Insurance For?

Supplemental medical gap or hospital and critical illness insurance may be beneficial if you:

Are you stuck with a high deductible health plan, wondering how to pay for your deductible should you need to use your insurance?

Medical Gap can help by paying a lump sum benefit that can be used towards your HDHP deductible.

Learn more

COBRA is not your only option for health insurance if you find yourself unemployed.

Losing your job qualifies you for a special enrollment period for major medical, and there are alternatives like short term health (available year round) as well.

Learn more

What should you do if you don't get health insurance through your employer?

You may need to purchase major medical coverage on your own, or enroll in an alternative health plan.

Learn more

Are you vulnerable to medical costs because you're self-employed and don't have a group major medical plan?

You may need to purchase individual health insurance, but you could qualify for alternative options.

Learn more

Learn More About Your Supplemental Health Insurance Options

Gap Health Insurance
  • Choose How to Use Your lump sum payment, e.g., prescriptions, living expenses + lost wages
  • Guaranteed Issue
Learn more
Hospital Insurance
  • Year-round Coverage
  • Guaranteed Renewable
  • Provides fixed benefits regardless of expense
Learn more
Dental Insurance
  • Preventive Care Coverage
  • Keep your dentist with an Indemnity plan
  • Get additional discounts with a PPO plan
Learn more
Critical Illness Insurance
  • Benefits for cancer, heart attack, stroke + more
  • You decide how to use the lump sum cash benefit
  • Affordable monthly premiums because policies are limited
Learn more
Accident Insurance
  • Benefits for sprains, fractures, burns + more
  • Use the fixed benefit however you wish
  • Affordable premiums because policies are limited
Learn more

Not Sure How to Get Started With Supplemental Health Insurance?