What is Supplemental Health Insurance?

Supplemental health insurance, as the name would suggest, provides enhancements to your existing regular health insurance.? It covers expenses and costs which are not covered by your primary insurance.? For example, if a health condition causes you to lose income, or be unable to pay your regular living expenses, supplementary health insurance can kick in.? If you are self-employed, have children, or know that you would be truly unable to pay your bills if you were incapacitated due to illness or injury, you should consider getting supplemental health insurance.

Unlike a regular health insurance policy, supplemental health insurance can actually pay out benefits in cash.? It doesn?t usually prejudice against pre-existing conditions.? A major category of people who need supplemental health insurance are those who are on Medicare, since that program does not provide benefits for long-term health care, including hospice care and nursing homes, and often prescription drugs.

Supplemental health insurance can be very expensive, though it is worth shopping around for the best plan, as there are many companies who offer this kind of coverage (one of the most famous being AFLAC).? These plans provide cash benefits for many situations where regular insurance falls short.? This may include preventative care, emergencies, hospital stays, etc.? There are even condition-specific policies which may? be purchased, such as those which pay out in case of cancer diagnosis, or heart attack, stroke, or other conditions.

The possibility of becoming disabled is very real, for anyone.? But for many individuals and families, disability / even a temporary one ? could devastate finances for years, even decades.? According to AllAboardBenefits.com having any ?kind of supplemental health insurance called disability income protection can help mitigate these difficulties, as it pays out a monthly benefit until the disability is resolved.? Long term care insurance is another kind of supplemental health insurance, kicking in for hospice care, nursing homes, and assisted living care facilities.

In short, there are many kinds of supplemental health insurance which can give you the peace of mind you need, whether or not you ever end up actually activating the coverage.? Make sure you do your comparison shopping to find the best plan(s) for you and your family.

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