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Supplemental Insurance


If you are hurt in a serious accident or get a serious illness and can no longer continue working, this can often result in financial catastrophe. Health insurance will only go so far, and will not cover all of your expenses. Costs can start to add up quickly if you have to leave your workplace for a long period of time. This is where supplemental insurance coverage can greatly help.

Supplemental insurance is a type of protection that adds to, or supplements, your traditional health insurance by compensating you for the many uncovered health costs that conventional policies do not cover.

Who Benefits

Supplemental insurance can assist anyone, though there are certain classifications of persons for whom it can be especially appropriate. A supplemental policy can be very helpful for those who have health insurance that might require a substantial amount of out-of-pocket expenses. It’s also engineered for those with jobs that are particularly risky or dangerous in nature, such as construction work, that can result in the policyholder being unable to work should he or she be injured or taken ill.

How it Works

Supplemental insurance coverage essentially fills in the gaps for which your conventional health insurance doesn’t provide coverage. Policies are usually tailored to individual needs but, in general, this coverage will pay out for certain medical costs or it can provide a lump sum cash amount for which the policyholder is free to utilize as he or she sees fit.

The most vital aspects of supplemental coverage include compensation for doctor visits and for stays at health care facilities. This kind of coverage will usually compensate fully any co-payments or deductibles that the patient would ordinarily pay out-of-pocket. Supplemental coverage also can help with various classes of prescription drugs and even with common over-the-counter medicines. In some cases, this coverage can even help to cover fees for health and wellness pursuits or amenities like gyms.


Supplemental coverage is designed to significantly mitigate health care expenses. People who purchase this kind of insurance will be able to avoid co-payments and other surcharges that can often add up to sizeable sums. Supplemental coverage is especially appropriate for those who use health care services very frequently as a result of chronic illnesses that are often incurable or difficult to treat. In short, a good supplemental insurance policy can be a financial godsend.