Supplemental Health Insurance | Every Price, Coverage Option & More

Have you ever gone to the hospital and received treatment to discover that your insurance won’t cover the entire procedure? How about attending a routine dentist visit to learn you owe hundreds of dollars for a cleaning? This is where supplemental health insurance can help.

From dental insurance to accident insurance, supplemental health insurance can help curb unexpected expenses. At Health Care Plan Quotes, we are experts in finding the exact coverage you need depending on your situation and budget. Contact us today at (855) 968-5736 every weekday from 9 a.m. to 5 p.m., and we will help you find the best healthcare options.

If you’re looking for overall health insurance, our free quoting tool provides accurate healthcare estimates and plan details.

What is Supplemental Health Insurance?

Supplemental health insurance is an additional health plan you can purchase to help support your healthcare plan. They can offset unexpected expenses when you’re in an accident or supplement your treatments when you’re diagnosed with cancer. If you’re concerned about medical costs or have a family history of disease, we highly recommend adding supplemental health insurance to your plan.

What can you use your supplemental health insurance payout on? Depending on the policy, you can use your coverage amount on deductibles, copays, and other expenses you could incur. That can include rent, groceries, and more.

Unfortunately, supplemental health insurance doesn’t replace your health insurance plans, and you should look for traditional healthcare coverage. Health Care Plan Quotes is here to help you find your perfect insurance. Call us at (855) 968-5736, and we will help you navigate the Marketplace for your affordable insurance plan. Our agents are available every weekday from 9 a.m. to 5 p.m., and our unique quoting tool can give you an accurate price estimate on plans based on your tax subsidy.

Types of Supplemental Health Insurance

Accident Insurance

Accident insurance can help cover costs related to broken bones, burns, concussions, paralysis, and more. Coverage depends on the policy that you get. However, you can expect to get a payout that can help with copayments, deductibles, and other expenses that you might incur related to your accident.

The monthly premium for accident insurance is around $25 with payouts depending on your policy type. Unfortunately, accident insurance does not help cover costs related to pre-existing conditions, such as arthritis or other long-term ailments.

At Health Care Plan Quotes, we suggest Aflac Accident Insurance as it is affordable with great coverage options.

Cancer Insurance

Cancer insurance is a policy that helps pay for cancer screenings, treatments, and hospitalizations related to cancer. The National Cancer Institute states that the average cost of initial care, continuing care, and last year of life expenses can add up to $192,256.06. A significant financial burden if you aren’t prepared.

If you have a family history of cancer or are taking yearly cancer screenings, you should consider purchasing a cancer insurance policy. It will help ease your mind and the financial burden you can incur with cancer.

Health Care Plan Quotes suggests an Aflac Cancer Policy including screening coverage and initial diagnosis benefits at a low premium.

Critical Illness Insurance

Critical illness insurance is supplemental insurance that provides coverage when diagnosed with several critical illnesses stated in your policy. That can include a sudden heart attack, stroke, coma, and more. These policies are typically a lump-sum payment, which means you’ll receive a one-time payment once you are diagnosed.

You can expect a $3 monthly premium for $5,000 worth of coverage. Premiums will depend on your age, gender, and the amount of coverage you want.

You should consider critical illness insurance if you have a family history of heart attack or stroke. Those who experience elevated health concerns such as obesity or tobacco usage should also consider grabbing critical illness insurance.

Dental Insurance

Dental insurance is a special supplemental insurance that covers dental treatments and procedures. A basic dental insurance plan covers all preventive care such as routine cleanings and some basic restorative care like root canals and fillings. However, it doesn’t cover any cosmetic procures like braces of veneers.

Most dental insurance plans have a monthly premium of $52. That includes preventive care, basic restorative care, and advanced restorative procedures. However, most dental plans will unlock different levels of coverage from year to year.

We recommend you get Aflac Dental Insurance. It covers all preventative services with basic dental services partially covered after a 6-month waiting period. They also have vision and hearing riders you can add to your plan.

Disability Insurance

Disability insurance works as a replacement for income if you become disabled and cannot work. Typically, there are two kinds of disability insurance policies you can grab: short-term and long-term disability. The main difference between the two is the length of time the insurance company will provide benefits.

According to Life Happens, you can expect disability insurance to cost 1% to 4% of your income. Monthly premiums will heavily depend on the amount of coverage you need.

Long-Term Care Insurance

According to Genworth, Long-term care services, such as adult day cares, assisted living facilities, home health aides, and nursing homes can cost a median of $6,303. With long-term care insurance, you’ll be able to decrease long-term care costs.

Policies will cost a monthly premium of around $173, according to the American Association of Long-Term Care Insurance. Odds are, most people will need some kind of long-term care, so grabbing this supplemental insurance can help with the increasing costs.

Travel Health Insurance

Unlike travel insurance, travel health insurance can help with emergency medical expenses while traveling or working abroad. You should pick up travel health insurance if you plan on working abroad or being a long-term resident overseas. Most plans cover you for around 180 days, so read your policy carefully for full details.

Vision Insurance

Like dental insurance, vision insurance is supplemental insurance that covers your optometrist visits, contact lenses, and prescription glasses. However, unlike dental insurance, general examinations require a copayment for exams, and you will receive an allowance that you can use on your contact lenses or glasses.

Depending on your policy, your allowance can reset yearly or every other year. The vision insurance premium can cost you $5 to $30 monthly. Premiums will depend on your provider, age, and location.

Medicare Supplemental Insurance (Medigap)

You might qualify for Medicare Supplemental Insurance (or Medigap) if you have Medicare. Medigap was created to cover out-of-pocket copayments, coinsurance, and deductibles that Original Medicare doesn’t cover.

Companies provide around 10 Medigap variations with increasing monthly premiums every year. However, discounts are available for women, non-smokers, and married couples.

Should I Get Supplemental Health Insurance?

You should get supplemental health insurance if you are concerned about various health concerns or must pay yearly expenses. The great thing about supplemental health insurance is that you can pick and choose the kind of coverage you want and opt out of insurance policies you don’t think you’ll need.

We highly recommend you pick up supplemental health insurance since it is generally inexpensive depending on the type of coverage.

Where Can I Get Supplemental Health Insurance

Our agents can help you find the supplemental health insurance that you need. Call us at (855) 968-5736 to discuss your coverage options based on your budget. We are experts in finding the health coverage and supplemental insurance you need.

They are available every weekday from 9 a.m. to 5 p.m. and are eager to help you with all your health insurance needs. We even have a unique quoting tool that can help you find an ACA Marketplace plan with accurate prices based on age, location, and gender.

Conclusion

Supplemental health insurance, while not necessary, is a good choice for various reasons. If you have health concerns, want a discount on dental and vision, or have a family history of illness, you should seriously consider supplemental health insurance. There are various kinds of supplemental health insurance policies out there, and you can pick and choose which ones you want to add to your healthcare plan.

Our agents are on standby if you are still uncertain about the necessity of supplemental insurance. We want to ensure you are 100% covered in all areas you might need. Call us at (855) 968-5736 or use our free quoting tool to find coverage that’s right for you.

Frequently Asked Questions

How Much Does Supplemental Health Insurance Cost?

Supplemental health insurance costs depend on the amount of coverage you want, the type of insurance, your age, and your location.

Why Get Supplemental Health Insurance?

You should get supplemental health insurance if you have health concerns, a family history of illness, or plan on going to yearly checkups.

What Does Supplemental Health Insurance Cover?

Supplemental health insurance can cover several things. Accidents, cancer, dental, and more. Each plan is unique, so determine your needs and speak to one of our agents so we can find your best coverage options.