Supplemental Insurance

Medicare Supplements—health insurance that fills the “gaps” in medicare plan coverage. These policies help pay some of the health care costs that your medicare plan does not cover.

Travel—insurance specifically to protect a person when traveling abroad. This insurance is important for chronic illness that might require medical attention at some point during a trip. These policies will reimburse you for the cost of doctor visits, medication, and sometimes medical evacuation.

Cancer—insurance that provides benefits only if you get cancer. (No policy will cover you for cancer diagnosed before you applied for the policy.) You receive the cash directly from the insurer to offset medical costs related to specified cancer diagnosis, treatments, hospitalizations and surgeries. This is a limited liability plan that is not designed to cover catastrophic events or replace major medical insurance. 

Accident—insurance coverage that pays cash for specified injuries and illnesses. You receive the cash directly from the insurer to offset medical costs or help pay bills while you recover. This is a limited liability plan that is not designed to cover catastrophic events or replace major medical insurance. 

Disability—insurance coverage that pays when you are unable to work for an extended period because of an injury or other medical condition. Coverage for individuals includes long-term only. For those who do not qualify for disability, see Special Risk Disability (in Special Needs Section).