Supplemental Insurance

What It Is, Who Needs It, and the Best Plans

Supplemental insurance fills coverage gaps left by primary health plans (like Medicare or employer insurance). It helps pay for:

• Out-of-pocket costs (deductibles, copays)
• Specific health events (cancer, accidents, hospital stays)
• Services not covered (dental, vision, disability)

Who Needs It?

• Seniors on Medicare (Medigap covers Part A/B gaps)
  
  
• High-deductible plan holders (helps with unexpected costs)
  
  
• Those with chronic conditions (critical illness coverage)
  
  
• Workers without employer benefits (accident/short-term disability)

Best Supplemental Insurance Companies

• Mutual of Omaha – Top for Medigap & accident plans
  
• Aflac – Leading critical illness & short-term coverage
• Cigna – Strong dental/hospital indemnity options
• United Healthcare – Best for Medicare Supplement
• Humana – Affordable dental/vision add-ons

Step 1: Identify Your Gaps

• Do you have high Medicare deductibles? → Medigap
  
  
• Worried about cancer/heart disease? → Critical illness
  
  
• Need dental/vision? → Standalone plan

Step 2: Compare Costs & Payouts

• Does the payout justify the premium?
  
  
• Are there waiting periods? (e.g., 6 months for cancer coverage)

Step 3: Check Provider Networks

Some plans (like dental) require in-network providers

Step 4: Read Reviews

Look at BBB ratings and customer complaints

Supplemental health insurance adds a  financial safety net  for unexpected medical costs. Review your needs, compare 2025 plans, and consider calling us.

Missing enrollment deadlines  → Lifetime penalties

Assuming Medicare covers everything  (no long-term care, most dental)

Not reviewing your plan annually (benefits change yearly!)

FAQs About Supplemental Insurance