Supplemental Health Insurance: Accident, Critical Illness, Dental and Vision

Supplemental plans fill the gaps a main health plan leaves, like a high deductible, time off work, or dental and vision care. I am an independent broker licensed in 31 states, and I help you add only the coverage that makes sense for you.

Supplemental plans are not major medical coverage. They work best alongside a private or Marketplace health plan. Get a quote for both →

Types of supplemental coverage

• Accident insurance. Pays set cash benefits after a covered injury, such as an ER visit, fracture or ambulance ride. Useful for active families and people in physical jobs.
• Critical-illness insurance. Pays a lump sum if you are diagnosed with a covered condition, such as a heart attack, stroke or cancer. The money is yours to use for bills, rent or lost income.
• Hospital indemnity. Pays a fixed amount for each covered hospital admission or day, which can offset a high deductible.
• Dental insurance. Cleanings, fillings and bigger work, depending on the plan.
• Vision insurance. Eye exams, glasses and contacts.

Who it helps most

• Self-employed people and 1099 workers. No paid sick leave means an injury or illness can hit income as well as medical bills. Health insurance for 1099 workers.
• High-deductible plan members. A cash benefit can cover much of the deductible.
• Business owners. Supplemental benefits are a low-cost way to add value for a team. Options for business owners.

What to check before you buy

• Exactly which events or diagnoses are covered, and the benefit amount for each.
• Waiting periods and pre-existing condition limits.
• Whether it pays you directly, and how fast claims are paid.

Benefits and availability vary by state and plan. I will show you the details in writing before you apply.

Questions I hear a lot

Is supplemental insurance the same as health insurance?

No. Supplemental plans pay set cash benefits for specific events, like an accident, a covered diagnosis or a hospital stay. They are meant to go alongside a major medical plan, not replace one.

Who should consider supplemental coverage?

People with a high deductible, self-employed people who would lose income if they could not work, and families who want dental and vision care covered.

Can I buy dental and vision without a health plan?

Yes. Individual dental and vision plans can be bought on their own, and many can start quickly.

Do you charge a fee?

No. The insurance company pays the broker.

Related: earn too much for a subsidy? · self-employed guides by state · health insurance in all 31 states

Posey Health Solutions · National Producer Number 20609967 · licensed in 31 states. This page is general information, not tax, legal or plan-specific advice. Private plans are medically underwritten and approval is not guaranteed. Plan availability varies by state and county.