Are You an Athlete or Weekend Warrior?

An injury can impact more than your performance. It could mean time off from work, rehabilitation, disability or worse. Having a catastrophic health plan can pay for your care but there are deductibles, co-insurance that can add up fast. A supplemental health plan can pay cash to help pay your deductible, co-insurance and other expenses. Contact us to find out what insurance plans will work best for your needs.

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Supplemental Insurance

• Supplemental insurance policies can add value to a catastrophic health plan.
• In the case of an accident policy, it pays you cash as your benefit.
• Cash of course can be used in many ways that other benefits cannot.
• You are free to use the cash to pay off co-insurance, deductible, and other out of pocket expenses that your health insurance doesn’t cover.
• Additionally, you can use it for everyday expenses like food, clothing and gas.
• There are many kinds of supplemental policies. Make sure you pick one that meets your needs.
• Consider if you have a predisposition to cancer, need vision correction or participate in extremes sports.
• Supplemental Insurance is not health insurance and therefore is not subject to the regulations of the health insurance industry.
• Vendors include: Aflac, Colonial, Pre-paid Legal.

Employer Provided Health Insurance

• If your health insurance is tied to your employment you might have to use vacation/sick time to heal.
• Your spouse might have to take vacation to care for you.
• Consider how would you pay your mortgage, utilities and groceries.
• You can protect your job through the Federal Family Protection Act but supplemental insurance will help.

If You Are a Small Business Owner

• A catastrophic illness or injury could be financially devastating.
• Do you have a plan to help you keep your business afloat? A supplemental health plan that pays cash could give you some breathing room.