Supplemental Insurance

Supplemental insurance helps reduce the impact of financial burdens in case of a serious accident or illness. These plans are available on a per-person basis. Businesses can empower their employees to choose the supplemental options that work best for them — and, though part of a group, not everyone needs the same plan. Individuals and families are free to choose the plans that fit their needs and budget. We are all individuals with our own needs and wants, so it’s important to have choices.

TrueCare is available to help sort and make sense of your options. There are a variety of supplemental insurance plans to consider:

• Disability Insurance — short-term disability is a source of income protection if you can’t work due to a non-occupational accident or illness.
• Accident Insurance — helps with costs from a covered accident. Medical insurance pays doctors and hospitals; accident insurance provides funds for deductibles, co-payments and other related expenses.
• Cancer Insurance — designed to help offset the high cost of care after a cancer diagnosis, where specialists and treatment costs can add up quickly.
• Specified Health Insurance — helps cover expenses for specific diagnoses such as heart attack & coronary artery bypass surgery, stroke, and end-stage renal failure.
• Other categories — many additional plans help cover hospital confinement, vision, dental, intensive care, long-term care and more.

Supplemental life insurance is also available. Some supplemental plans do not have coordination of benefits, so the benefit may be paid to the policy holder rather than the medical institution. These plans are generally portable and renewable for life. They are individually underwritten, however, and not everyone may qualify for every plan. Many clients pair supplemental coverage with health insurance or Medicare.