Critical Illness & Supplementals

Supplemental policies are an important element of a proper health plan.  In addition to your basic health insurance, your health coverage should include supplemental protection for dread diseases and other catastrophic contingencies. Our agents are authorized to provide all available supplemental health and life insurance plans, such as the examples outlined below.

Cancer Benefit Plans
Get an additional level of protection against the costs associated with treating cancer. A one-time payment of $50,000, or other benefit level set by you, would be available if you are diagnosed with certain types of cancer.

Additional Hospital Confinement Coverage
Hospital confinement can be exorbitantly expensive. These plans will pay a specified amount for each day of hospitalization for a covered sickness or injury.

Income Protection and Disability Benefits
One factor commonly overlooked in health plans is that while you are disabled by injury or confined in a hospital, you are not collecting income. Not only are you incurring significant daily expenses as a result of your medical treatment, but you are also missing work and not bringing in your usual salary. This double-whammy magnifies the costs of sickness and injury. Any well-planned health coverage strategy must include a supplemental plan to pay your bills or supplement your income while you are out of work due to covered ailments. 

Accident Protection
No matter how health-conscious you may be, the careless acts of someone else might lead to your being injured in an accident and suffering debilitating physical and economic injuries. Protect yourself from such disasters by purchasing supplemental benefits that will be paid whenever you are injured in a qualifying accident.

Critical Illness
Some illnesses, although rare, are dangerous enough to warrant extra protection. Many major medical or basic health insurance plans exclude coverage for critical illnesses, making it even more important to purchase a supplemental plan to maximize your protection. Critical illness plans provide benefits in case you become afflicted by Advanced Alzheimer’s Disease, Illness-induced coma, Heart attack, Life-threatening cancer, Major organ transplant, Stroke, Amyotrophic Lateral Sclerosis (ALS; Lou Gehrig’s Disease), End-stage renal failure, Coronary artery bypass, and Benign brain tumor, for example.

Supplemental Life Insurance Policies
If you are incapacitated or killed by an accident or an illness, you must ensure that your loved ones are able to continue without your emotional and financial support. There are a variety of life insurance products available from renowned providers like Fidelity and Colorado Bankers Life that can guarantee just that.

No matter how satisfied you are with your current health coverage, supplemental plans are necessary to maintain full protection against sickness and unforeseen injuries.  Our agents can provide you with a complete breakdown of supplemental policies available in your state and design the ideal solution to fit your coverage conditions. Call us now for more information about supplemental health benefit options.