Round out your coverage

Frequently Asked Questions

• What is supplemental insurance?

  • Supplemental insurance plans provide that extra boost of protection to help you pay for unexpected bills that aren’t covered by your standard health insurance plan. Think dental coverage, accidental insurance and critical illness insurance — Life happens, and having a good supplemental insurance plan will provide you with that peace of mind to help reduce your out of pocket expenses in case anything goes wrong.

• How much does supplemental insurance cost?

  • Costs for supplemental insurance plans vary depending on the coverage you are looking for, but in general, they are known to be very affordable additions to your coverage options and can save you a lot of money over the plan year. Some accident plans start at just $18 per month, while some critical illness plans start at just $4 per month. Just like your health insurance plan, supplemental insurance plans are paid in monthly premiums, and the costs will adjust depending on your age and the level of coverage you want.

• How do I know if I am eligible for supplemental insurance?

  • As long as you’re over 18 years old, you are eligible to enroll in supplemental insurance coverage.

• Can I cover my family with supplemental insurance?
  • Yes, you can cover your family under your supplemental insurance plan, as long as your family members are eligible dependents. To get started, you’ll need to know who is an eligible dependent to add to your plan. Anyone you claim on your income tax return for a given tax year is considered a dependent. Generally dependents are your spouse or domestic partner and/or any kids under 26 years old. A child can be biological, legally adopted, or a stepchild. Otherwise, who you can claim as a dependent varies by state — see the full definition of dependents from the IRS.Once you know who in your family is eligible as a dependent, you can speak with your broker about adding eligible family members to your supplemental insurance plan and explore the best coverage options for you.
• When is the enrollment period for supplemental insurance?

  • There is no set enrollment period for supplemental insurance plans! You can sign up at any time you like and your coverage will begin at the start of the following month from your enrollment date.

• What does supplemental insurance cover?
  • Supplemental insurance comes in many forms! With many benefit levels to choose from, plenty of plans are available to fit your own budget and needs. Here are some of the most common:

    • Accidental insurance is there for you when times get rough. Sometimes, your standard health insurance plan just doesn’t cover the big expenses that come when accidents happen or critical illnesses are diagnosed. Offering flexibility with how you use your benefits, supplemental accidental plans can protect your wallet by allowing you to use funds for things like medical expenses, deductibles and more. With a supplemental accidental plan, you can have peace of mind knowing that your coverage will help you and your wallet. 
    • While dependents under 18 years of age have dental coverage with our plans, usually  your standard health insurance plan will not cover dental procedures. Supplemental Dental insurance allows you to cover all things teeth, helping you pay for routine procedures or preventative treatments that will save you stress and money in the long run. Similar to Accidental insurance, supplemental dental plans can offer many benefit levels to choose from, flexibility in how you use your benefits, and give you access to quality dental care with some of the top providers in your area.
• I’m interested in enrolling! Who can I speak to with more questions?

  • Great! All you need to do is call your broker to assist you in finding the right supplemental coverage solutions for you.