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What is a supplemental health benefits plan?

 

Supplemental health products are designed to be purchased in addition to a health plan with major medical benefits such as Short Term or ACA/Obamacare. It can also be used in connection with a Health Benefit Indemnity Insurance plan. There are two basic types: supplemental health insurance or non-insurance supplemental health products.

The most common supplemental health insurance products are dental insurance, vision insurance, and supplemental medical insurance. Supplemental medical insurance includes critical illness and accident insurances that will pay a set amount when you experience a covered medical event.

The most common non-insurance supplemental health products are telemedicine, which facilitates 24/7 access to medical providers, insurance advocacy services, which help you to better utilize your health plan, and pharmacy benefits, which provides you discounts for prescription and over the counter medications.

Types of Supplemental Benefits Plans

Dental Insurance and Vision Insurance are the most common types of supplemental insurance products because most major medical plans don’t provide coverage for routine dental visits or vision coverage. Maintaining a healthy set of teeth and eyes becomes even more important as you get older.

We’ve partnered with the best dental insurance companies to give our clients access to the top dentists in their area. We also have relationships with the best vision insurance companies so our clients can see the best eye doctors in their area. You can run dental insurance quotes and vision insurance quotes using the link below.

How do health supplement plans work?

Here’s how the strategy of layering insurance plans works:

1) Find a major medical plan with a mid-to-high range deductible. This drives the monthly premium down by sharing more of the risk with the insurance company.

2) Use the money you saved by getting a high deductible major medical plan to add a supplemental health plan that covers your share of the medical expenses (deductible and co-insurance).

3) If you have an accident/injury or critical illness, the supplemental health coverage pays your deductible and co-insurance. 

4) Now that you’ve met your annual out-of-pocket max (deductible + co-insurance) the major medical plan will pay the remainder of the expenses which they are responsible for.

Layering a major medical insurance plan with health benefits supplement plans is the ideal way to save money on monthly premiums while lowering your out-of-pocket costs at the same time. 

 

Types of Supplemental Benefits Plans
  • Dental Insurance Plans
  • Vision Insurance Plans
  • Fixed Benefit Indemnity Plans
  • Accident Medical Expense Plans
  • Critical Illness Insurance Plans
  • Minimum Essential Coverage Plans
  • Hospital Indemnity Plans
  • Life Insurance Plans

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How Do I Apply For A Health Supplement Plan?

Applying for the best health benefits indemnity plan through Health Benefits Connect is super fast and easy, just fill out the form below and follow the simple application process! If you are approved, you can get covered starting as soon as the next day!

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