Health Insurance Answer Guy
Supplemental
Health Insurance Plans
Because ALL plans have gaps in their coverage !!
Remember This?
No health insurance company, or plan, can account for every possible contingency that can happen to an individual. You can purchase them by themselves (stand alone) without a Major Medical Policy You can save hundreds, even THOUSANDS of dollars per year in premium by raising the deductible on your current health insurance policy and adding a supplemental plan You can get dental and vision... yes, those are considered supplements There is no underwriting or problems with pre-existing conditions Benefits are paid directly to you!! GAC Quote - 24 Hour Accident coverage / Emergency Air Rescue (VBA website) - Plan underwriter - Guarantee Trust Life Insurance Company (GTL) - Rated B+ (A.M. Best) and National Guardian Life Insurance Company - Rated A- (A.M Best) AmeriValue Plan - Accident / Dental / Emergency Air Resource (brochure from company website - password needed) Underwriter - Guarantee Trust Life Insurance Company Rated B+ (A.M. Best) and National Union Fire Insurance Company - Rated A+ (A.M. Best)
GAPS!
What one health insurance provider doesn't "provide", another does... depending on your health.
GAPS!
How about that high deductible plan you are considering to save money.
GAPS!
What about Dental and Vision? They're not included in your health insurance plan are they.
There's those GAPS! again
What if I could show you how to have better all around coverage, with a lower total premium, just by adding a supplemental health insurance policy? Would you be interested?
Your choice...Your premium...
Supplemental health insurance can help fill many gaps in coverage.
Question?
“What if I can't afford health insurance in the first place? What good does this do me?”
The advantage of many (not all) supplemental plans is...
Here are three examples of very good and very inexpensive supplemental health insurance plans that go alongside, or are attached to your Major Medical plan. I know these plans well as I work with them daily.
I'll be placing more examples throughout as research progresses.
Starting with...ta da... only the most recognized name in supplemental health insurance.... thank you very much. Yes, I know, the page wouldn't be complete without it.
Supplemental Accident only Plans
These next two supplemental pages show more examples of some very good plans. These plans offer benefits in addition to your Major Medical plan. They cover the high deductible gap well and pay benefits directly to you should something happen. Some also include a $4,000 emergency air rescue for those that live in the "boonies", or just plain need it.
The benefit to you?
You are already going to save a boat load of money with your high deductible (HSA?) plan that you might otherwise be throwing away with your expensive low deductible plan. If you apply just a fraction of the premium you save on a health insurance supplement, you will have better coverage and an overall lower premium. Remember... a broker's normal knee jerk reaction is to sell you a plan that pays them the most, I.E a low deductible plan. It's human nature.
Very affordable... no dental Back
Affordable with dental... plus many more benefits
You can find other examples on the How supplements help page.
Some supplemental health insurance plans are strictly accident and some cover accident AND illness. Some have dental and vision included. As with health insurance plans, there are many differences in the benefits provided by supplemental plans so do your research, or talk with your agent, and...
- Make sure the supplemental plan you choose doesn't need to be attached (to a Major Medical Policy) in case you purchased a supplemental plan by itself.
