Supplemental Health
Explore Enhanced Coverage & Critical Illness Options
Shield Your Health:
Plug the Gaps in Your Health Coverage with Enhanced Options
Life throws curveballs, and sometimes those curveballs come with hefty medical bills. Traditional health insurance does a great job covering many healthcare costs, but it might not cover everything. This is where Critical Illness Insurance helps you and your family!
Supplemental health insurance steps in to bridge those gaps, offering several key benefits:
- Reduced Out-of-Pocket Expenses: This means less money coming out of your wallet for deductibles, copays, and coinsurance.
- Peace of Mind: Knowing you have additional coverage can take a huge weight off your shoulders, allowing you to focus on getting better instead of worrying about finances.
- More Choices: Supplemental insurance comes in various forms, so you can customize your coverage based on your specific needs and budget.
Consider critical illness/supplemental insurance your healthcare umbrella, providing an extra layer of protection against unexpected medical costs.
Why Consider Supplemental Health Insurance?
- Have a High Deductible Health Plan (HDHP): HDHPs offer lower premiums but come with higher deductibles. Supplemental insurance can help manage those out-of-pocket costs until your deductible is met.
- Have a Family History of Critical Illness: Critical illness coverage provides a financial safety net in case you’re diagnosed with a serious medical condition like cancer or heart disease.
- You have a pre-existing condition: Supplemental plans may offer coverage for specific conditions, providing additional support when you need it most.
- You’re approaching retirement: Healthcare costs often rise with age. Supplemental insurance can help bridge the gap in coverage during this critical time.
Next Steps
The Downside of Skipping Supplemental Coverage: No Money When It’s Needed
Financial Strain and High Out-of-Pocket Costs
Skipping supplemental insurance might seem like a cost-saving measure, but it can lead to significant financial strain. Primary health insurance often covers only a portion of medical expenses, leaving you with high out-of-pocket costs for co-pays, deductibles, and uncovered services. Without supplemental insurance, these expenses can quickly add up, potentially leading to financial hardship.
Limited Coverage and Uncovered Services
Primary health insurance typically has coverage limitations, leaving gaps in areas such as dental, vision, or critical illness coverage. Supplemental insurance fills these gaps, ensuring you have comprehensive coverage. Without it, you might have to pay for these essential services entirely out of pocket. Moreover, many necessary medical services, such as specialized treatments, therapies, or home health care, might not be fully covered by your primary insurance. Supplemental insurance can help cover these additional costs, ensuring you receive the care you need without financial hardship.
Loss of Income During Serious Illness
Critical illnesses like cancer, heart attacks, or strokes often come with extensive treatment and recovery costs. Supplemental insurance can provide a financial cushion during these challenging times, helping cover expenses that primary insurance doesn’t. Additionally, some supplemental insurance plans offer disability benefits, providing income if you’re unable to work due to illness or injury. Without this coverage, you could face a significant loss of income during recovery, further compounding the financial strain.
Don’t Be Caught Off Guard
Ticking Time Bomb
Pre-Existing conditions can leave you exposed by limiting coverage with your current plan. If you face an unexpected illness related to that condition, you might be left with sky-high out-of-pocket costs.
Protect Your Nest Egg
Don’t let healthcare costs derail your future with unexpected medical expenses that can quickly drain your savings. Protect your retirement dreams with supplemental insurance today.
Better insurance. Better Life.
Ready to experience the I Hate Buying Insurance Agency difference? Get in touch with us today to schedule a consultation with one of our friendly insurance experts. We look forward to serving you!
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All Insurance Lines are a solution of the respective company(ies) purchased by the client. Joseph Graves, I Hate Buying Insurance, &/or its licensed insurance agents contracted to work with the agency, located at 629 Nickajack Trail, Monteagle, TN 37356, is an independent brokerage, representing dozens of carriers, but is not an insurer of insurance. All legal transactions / actions will be subject to the Laws of the State of Tennessee.
Joseph Graves, I Hate Buying Insurance, &/or its licensed insurance agents contracted to work with the agency, receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.
Not all products displayed on any company website or marketing piece may not be available in all jurisdictions &/or to all people. Limitations or restrictions may apply. No solutions available in New York. Our application process asks about your lifestyle and health; your answers will determine the best program that you might qualify for. Joseph Graves, I Hate Buying Insurance, &/or its licensed insurance agents contracted to work with the agency, cannot guarantee the issuance of coverage. The complete underwriting process must be complete before a final solution is offered.