Supplemental Health Insurance

In an ideal world, your primary health insurance would cover every medical cost you encounter. However, the reality is that even the best health plans come with out-of-pocket responsibilities like deductibles, copayments, and coinsurance. A single, unexpected medical event—a sudden illness, a serious accident, or a critical diagnosis—can quickly lead to thousands of dollars in bills that you are responsible for paying. This financial strain arrives at the worst possible time, adding stress when your focus should be on recovery. This is precisely where supplemental health insurance comes in. Think of it as your financial first aid kit, providing targeted cash benefits to help you cover those gaps and protect your savings. Kimberley Sweetalla specializes in building a layered defense, combining policies like Critical Care, Accident, and hospital indemnity insurance to create a comprehensive safety net.

These policies are not a replacement for your primary health insurance. Instead, they work alongside it, paying benefits directly to you, not to doctors or hospitals. The cash you receive is yours to use for any purpose, providing ultimate flexibility to manage the true cost of a medical crisis.

Critical Illness / Critical Care Insurance: A Lifeline During a Major Health Crisis

A Critical Care insurance policy, also known as Critical Illness insurance, is one of the most powerful supplemental tools available. It is designed to protect you from the financial fallout of a life-threatening diagnosis. Upon the first diagnosis of a covered condition—such as a heart attack, stroke, invasive cancer, kidney failure, or major organ transplant—the policy pays you a lump-sum, tax-free cash benefit.

Imagine being diagnosed with a serious illness. Your focus should be on treatment, rest, and recovery. But the financial worries can be overwhelming. Will you be able to pay your mortgage if you’re out of work for six months? How will you afford your high health insurance deductible? What if the best specialist is in another state? The cash benefit from a Critical Care policy can be used to:

• Pay medical deductibles, copays, and out-of-network charges.
• Cover experimental treatments or medications not covered by your health plan.
• Replace lost income for you or a spouse who takes time off to be a caregiver.
• Pay for travel, lodging, and meals when seeking specialized care away from home.
• Modify your home or vehicle to accommodate new physical needs.
• Simply cover everyday living expenses like groceries and utility bills, reducing stress.

By providing immediate cash, this insurance gives you the freedom to make medical decisions based on what’s best for your health, not just what your budget can handle.

Accident Insurance: Covering the Costs of Life’s Mishaps

Life is unpredictable, and accidents can happen to anyone at any time—a fall down the stairs, a sports injury on the weekend, or a car accident on the way to work. While your health insurance will cover the medical treatments, an Accident insurance policy is designed to help with the immediate out-of-pocket costs associated with the injury.

This type of plan pays set cash benefits for specific injuries and treatments. For example, you might receive:

• $150 for an emergency room visit.
• $500 for a broken arm.
• $1,000 for a hospital admission.
• $75 per session for physical therapy (up to a certain number of visits).

These benefits are paid regardless of what your health insurance covers. For individuals and families with high-deductible health plans (HDHPs), an accident policy is an incredibly affordable and effective way to ensure that a simple mishap doesn’t result in a multi-thousand-dollar bill. It provides immediate funds to cover your deductible and other expenses, so a sprained ankle doesn’t sprain your finances.

Hospital Indemnity Insurance: Extra Support for Hospital Stays

A hospital stay can be one of the most expensive medical events. Hospital indemnity insurance provides an extra layer of protection by paying a fixed daily, weekly, or monthly cash benefit directly to you for each day you are confined to a hospital. Some plans may also offer benefits for outpatient surgery or observation stays. This cash can be used to cover anything from your health insurance deductible to childcare costs or lost wages while you are unable to work. It’s a straightforward and predictable way to offset the high costs associated with hospitalization.

We partner with trusted carriers like Guaranteed Trust and Life, along with others, to offer these vital supplemental plans. We will take the time to understand your lifestyle, your primary health coverage, and your budget to build a customized, affordable package of financial first-aid policies. Don’t wait for an emergency to discover the gaps in your coverage.