What is Supplemental Health Insurance?

The term “supplementary health insurance” refers to healthcare coverage which is over and above basic medical plan. Such plans cover up for costs that are not covered by primary health insurance policies such as deductibles, co-payments and co-insurance.

However, for buying supplemental health insurance policy that easily fits your specific individual as well as family healthcare needs and budget can be highly challenging. To do away with the rigors of the process, it could be better if you seek help from specialists. FreeQuotesHealthInsurance can assist you with the task.

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Looking For Supplemental Health Insurance? Here’s What You Must Know

who should buy supplemental health insurance

Supplemental health care insurance policies can be purchased in a way that is very much similar to buying primary health insurance plans. You can explore your options through licensed agents, on state’s marketplace exchange and with private insurance companies as well.

Nevertheless, there are differences between purchasing a primary plan and a supplementary health insurance. While primary health insurance policies can be purchased only during the open enrolment periods, supplemental plans can be bought at any given point of time.

Besides, supplemental health care insurance plans might not always cover any pre-existing medical conditions. These can be effectively used for plugging loopholes in existing primary health insurance policy. So, before exploring your alternatives, it could be worthwhile to talk to an agent.

Enjoy Peace of Mind with the Supplemental Health Insurance Quotes

Unexpected medical emergencies or hospitalizations may spring up any time in one’s life. Some advance planning to take care of to cover up for costs for medical bills and out-of-pocket expenses. A health insurance supplemental coverage can keep you ready to handle such situations. To know more, contact us today!

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Examples of the Health Insurance Supplemental Coverage Options

The best supplemental health insurance plans are available in different types. For buying such type of health insurance coverage, you don’t need to be covered by any other policy. Here are some glaring examples regarding the varied kinds of supplemental plans that you can purchase.

  • Dental Healthcare Insurance- Basic plans may offer coverage for dental treatments to any person who is above 18 years in age. So, if you meet this age requirement, you can buy dental insurance cover.
  • Temporary Health Insurance- If you need short term healthcare coverage for a period of less than 6 months, you can think of purchasing this option. The alternative is ideal for individuals that are in-between two health insurance plans or are unable to afford regular healthcare coverage for their families.
  • Travel Healthcare Insurance- This plan can be purchased by people flying out of the United States for whatsoever reasons. The validity of such policies is exclusively for the period that starts from the time of taking flight abroad up to the time of return.
Major Benefits of Buying Supplemental Health Insurance Policies

Apart from the costs that are not covered by primary health covers, supplemental health insurance coverage has some other unique advantages to offer as follows

Frequently Asked Questions

To decide whether you need to buying supplemental health insurance, you need to take into account the below mentioned factors.

  • Your monetary savings - Have enough money to access through HSA or FSA.
  • Your existing health condition
  • How much you can afford for health insurance

Supplemental health insurance plans pay expenses, which are likely to be incurred on treatments or hospitalizations for some specific diseases like cancer, heart attack, kidney failure, accidental death, etc. to policyholders. You may even have to option to receive the payments directly from your insurer.

Everyone doesn’t need to buy a health insurance supplemental coverage. You can think of buying coverage of this type only if there are certain coverage gaps in your primary health insurance cover. Just check if basic coverage covers all aspects.

It is difficult to predict the expenses that are likely to be incurred on medical treatments for certain unforeseen terminal illnesses/diseases and dental treatments. Normal health insurance policies may not cover them. Having Supplemental health care insurance gives peace of mind.

Supplemental health insurance in combination with a group healthcare cover can give a complete solution for the wellbeing of employees. If you, as an employer even offer it as a voluntary benefit, it will provide employees much needed financial stability and reduce worries at work.

Know the Different Types of Supplemental Health Insurance Plans

  • Critical Illness Insurance

    This type of supplemental healthcare insurance covers costs for treatments of critical illnesses like cancer, kidney failure, heart attack, etc.

  • Accident Insurance Cover

    The kind of supplemental healthcare insurance pays expenses for treatments of bodily injuries caused to policyholder resulting from an accident.

  • Hospital Insurance Cover

    Coverage pays expenses for hospital stays within prescribed per day limits. It is popular by the name “hospital indemnity plan”.

  • Fixed Indemnity Insurance

    At times, out-of-pocket expenses for treatments of injuries or illness can go beyond control. Fixed indemnity coverage covers these costs.

  • Disability Insurance Cover

    This kind of supplemental cover medical bills when you get sick or injured and helps retaining income for continuing working.

  • Long-term Care Insurance

    With progressing age, it is important that you protect your finances. Supplemental healthcare plans offer financial protection for long-term care.

  • Dental Insurance Coverage

    It provides long-term coverage for damages caused to gums and teeth. And supplementary healthcare policies cover expenses for dental problems.

  • Vision Insurance Coverage

    This kind of coverage pays costs incurred on laser surgeries that are not usually covered under normal health insurance policies.

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