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.
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.
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.
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!
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.
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.
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.
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.
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.
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