Your deductible
Before your plan pays a cent toward most care, you do. For a lot of households that number is thousands of dollars, due at exactly the wrong moment.
It pays when major medical doesn't
The coverage that shows up when your health plan stops.
Even a good major medical plan leaves you with a deductible, coinsurance and a mortgage that doesn't care you're in hospital. Supplemental policies pay cash benefits directly to you — for the bills, the time off, and everything a health plan was never designed to touch.
The gap
Why "I have insurance" often isn't the whole answer
A serious diagnosis creates two problems: the medical bills, and the fact that life keeps invoicing you while you're not working. Health insurance addresses the first one.
The income you lose
Six weeks of recovery is six weeks of reduced or no earnings. No health plan replaces a paycheque, and savings tend to disappear faster than people expect.
Everything else
Travel to a specialist, childcare, a rental car, the mortgage. Cash benefits are yours to spend on whichever of these is loudest.
What we offer
Supplemental, dental and vision plans
Individually these are inexpensive. Together they're the difference between an illness being difficult and an illness being financially catastrophic.
Critical illness
A lump-sum cash benefit on diagnosis of a covered condition — commonly heart attack, stroke, cancer or organ failure. Paid to you, not to a hospital, and not tied to any specific bill.
Typical use: covering the deductible, the time off, and the travel to treatment.
Accident insurance
Pays set benefits for injuries, emergency room visits, imaging, surgery and follow-up care. Inexpensive, and particularly worth having if you have active kids or a physical job.
Typical use: the broken wrist that turns into an ER bill, an MRI and physio.
Hospital indemnity
A fixed daily or per-admission cash benefit for time spent as an inpatient. Frequently paired with high-deductible health plans and Medicare Advantage, where a hospital stay can otherwise get expensive fast.
Typical use: blunting copays on a plan with a low premium and real exposure.
Dental
Standalone dental plans covering cleanings and preventive care, fillings and extractions, and major work like crowns, root canals and bridges. Most plans have waiting periods on major services, so earlier is cheaper.
Typical use: households whose health plan includes no adult dental at all.
Vision
Annual exams, and allowances toward frames, lenses or contacts. A small monthly premium that usually pays for itself the first time somebody in the house needs new glasses.
Typical use: families with more than one prescription to keep current.
Cancer & specified disease
Benefits structured around one category of diagnosis, often with allowances for treatment, travel and lodging. Worth looking at where family history makes a specific risk stand out.
Typical use: adding depth where you already know your exposure sits.
Zero-out-of-pocket thinking
Stacked properly, these plans can cover what you'd otherwise pay yourself
The goal is straightforward: pair a health plan you can afford with cash benefits that absorb its deductible and copays, so a hospital admission doesn't reach your savings. Whether that's achievable depends on your state, your health and your budget — but it's the target we build toward.
- Benefits paid to you, not to the provider
- No network restrictions on cash benefits
- Works alongside any major medical plan or Medicare
- Exclusions and waiting periods explained up front, in writing
Cash
Benefits are paid directly to you and yours to allocate however you need.
Any doctor
Cash benefits aren't limited by a provider network or a referral.
Low cost
Most of these products sit in the range people spend on streaming subscriptions.
Stackable
Layer accident, critical illness and hospital cover to match your real exposure.
Often under $50 a month
Close the gap before you find out where it is.
Tell us what health plan you're on and we'll show you exactly what it leaves exposed — and what it costs to cover.
Supplemental policies are not a substitute for major medical coverage. Benefit amounts, exclusions and waiting periods vary by carrier and state.