Supplemental Health
For Individuals & Families
Almost nothing provides more peace of mind than good health and financial wellness. Hospital Plans and other types of supplemental health insurance, such as Critical Illness and Accident Plans provide extra help to get you there. Specifically, they protect you from high out-of-pocket expenses related to a covered illness or hospital stay that can take a large chunk of your savings, or worse, bankrupt you. In fact, according to many studies, over 65% of all personal bankruptcies are caused by medical bills. These are both medical and non-medical costs that can come with illness, and that regular health insurance, or even Medicare, do not cover.
A supplemental health plan can help you avoid financial ruin due to soaring healthcare costs, and is a smart affordable strategy that helps people cover out-of-pocket costs when they have an expensive, unplanned accident, illness or hospital stay. And, best of all, these plans pay cash benefits directly to you to use how you desire.
ACCIDENT INSURANCE
Accidents can happen at any time, and do. In the US, statistics show that 1 out of every 7 receives medical care for non-fatal injuries annually.
Accident coverage provides:1
Coverage for fractures, dislocations, loss of limb, burns & more
Premiums vary depending on level of coverage
Benefits are paid directly to you, no lifetime maximums, & no rate increases ever2
HOSPITAL INSURANCE
Hospital stays, whether planned or an emergency, are extremely expensive and cannot be ignored without jeopardizing your health.
Hospital coverage provides:1
Coverage for hospital stays, ICU, rehab facilities, ambulatory surgical center & more
Premiums vary depending on level of coverage
Benefits are paid directly to you, policy is renewable for life3, wellness benefit optional4
CRITICAL ILLNESS INSURANCE
The top three critical illness claims are HEART, STOKE, & CANCER, INCLUDING CHILDHOOD CANCER of which 61% of costs are non-medical.
Critical Illness coverage provides:1
Coverage for critical illnesses including cancer, heart disease, stroke & more
Premiums vary depending on level of coverage
Benefits are paid directly to you, all policies include a wellness benefit4
- Benefits supplement major-medical coverage and are paid in addition to your regular major-medical health benefits.
- As long as you pay your premiums and your policy does not lapse, unless waiver of premium applies. However, there may also be a rate increase if rates increase for all policies in your state. Ask your agent for more details.
- As long as you pay your premiums and your policy does not lapse.
- Receive up to $200 for certain routine medical screenings.
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Shelly K. Winson is an insurance professional with more than 25 years of experience, and specializes in helping people with the important matter of protecting their family and finances with the right insurance programs. Tailoring insurance to fit the unique needs of each client is a complex process that requires truly understanding your insurance options and the best solutions for your specific situation. Most people don’t consider that one illness or accident can quickly wipe out a nest egg and or wreak havoc on the healthiest budgets without the proper coverage. Shelly can help you avoid the most common mistakes when selecting coverage, saving you from financial ruin should the unexpected happen.