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Supplemental
(Voluntary) Benefits

Supplemental Insurance Policies

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Sometimes, even when one has healthcare insurance, paying medical bills can be a struggle. Some policies have high deductibles that must be met prior to payments being authorized. In some cases, the coverage may not be enough to cover everything that you need. Each insurance policy is different. Whatever the case may be a supplemental insurance policy may be just what the doctor ordered, so to speak.

This type of insurance may sound odd if you're not familiar with it. However, it does exactly what it says. It supplements your existing insurance policy. There are different types. Some pay your medical providers directly, in the same manner as your insurance policy. They may pay your co-pays or deductibles. Others will pay you money directly instead. You can use that money for anything you like; they will send you a check after your claim is approved. However, this also typically means that you are paying out of pocket initially and receiving a reimbursement.

There are typically three kinds of supplemental insurance that you can purchase: critical illness, accident, and hospital indemnity policies. In many cases, they are designed to help out when you are hospitalized or need extensive treatments. You can get a policy specifically to help with hospital stay payments, or a policy designed to help out when you are diagnosed with a terminal or critical illness. Other policies may be written to assist your family in the event of your accidental death or disability.

In all, the primary benefits of having an insurance policy that is designed to supplement your existing healthcare coverage is that the major expenses do not have to come out of your pocket. It can be a relief to know that if something does happen, you and your family will be completely covered. In many cases, it also means that you don't have to worry about the small expenses either. It is well worth looking into, when it comes to your peace of mind.



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