How supplemental coverage works
Supplemental plans sit alongside your health insurance. If a covered event happens, such as an accident or a serious diagnosis, the plan pays a cash benefit, usually directly to you, which you can use however you need.
- Accident coverage for injuries like fractures and emergency visits
- Critical illness coverage for diagnoses like cancer, heart attack or stroke
- Hospital indemnity that pays for covered hospital stays
Who it can help
People with high-deductible plans, self-employed workers without paid sick leave, and families who want a cushion for the unexpected. Emily helps you decide whether it makes sense for you, and how much is enough.
Not a replacement for health insurance
Supplemental plans are designed to add to major medical coverage, not replace it. Emily makes sure your main health plan is right first.
