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Supplemental Health Coverage

Cash benefits for the costs your main plan doesn't cover

Even good health insurance leaves gaps — deductibles, lost income during recovery, everyday bills that don't pause for an illness. Supplemental coverage pays out directly to you, to use however you need.

What it covers

Built to fill the gaps in your primary plan

Supplemental health policies pay a benefit directly to you when a covered event happens — separate from, and in addition to, your regular health insurance. As an independent broker, Christine can compare supplemental options across multiple carriers to find the coverage that fits your household best.

  • Accident insurance — a lump-sum benefit after a covered injury, from ER visits to physical therapy.
  • Critical illness coverage — a cash benefit if you're diagnosed with a covered condition like cancer, heart attack, or stroke.
  • Hospital indemnity — daily cash benefits for each day of a covered hospital stay.
  • Short-term disability — income protection if illness or injury keeps you out of work.
A family with young children playing together at home
Why add supplemental coverage

Because deductibles and bills don't wait

A high-deductible health plan can leave thousands of dollars exposed before coverage kicks in. Supplemental benefits are designed to soften exactly that impact.

  • Cover a deductible without draining savings
  • Replace lost income during recovery
  • Pay for everyday costs — groceries, gas, childcare — while you're not working
  • Use the benefit however you need; it isn't restricted to medical bills
No Restrictions
Use The Benefit Your Way
Common questions

Supplemental coverage, plainly explained

Isn't this the same as my regular health insurance?

No — supplemental plans pay a cash benefit on top of your regular insurance, rather than replacing it. Most people carry both.

Do I need to have a high-deductible plan to benefit?

It helps most with higher deductibles, but anyone can benefit from extra cash during a covered illness, injury, or hospital stay.

Can I use the benefit for anything?

Generally, yes — most supplemental benefits are paid directly to you with no restriction on how it's spent.

Can I combine this with Medicare?

Some supplemental products work alongside Medicare coverage — worth discussing together with your Medicare Advantage plan.

Close the gaps in your coverage

Get a free, no-pressure supplemental health quote from Christine Butts.

Request a Free Consultation