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What is Supplemental Health Insurance?

If you have any type of insurance plan, you may have noticed that there may be gaps not covered by your primary insurance provider. That’s where supplemental health insurance comes in. Aflac is a leader in supplemental health insurance companies, as we complement major medical insurance and help provide support in the areas you need it most. Read on to learn what supplemental health insurance is and the different types of plans available.

2 Min Read

Table of Contents

Key Takeaways

  • Supplemental health insurance provides an added layer of financial protection by covering gaps that major medical plans may not fully address.
  • Aflac offers supplemental insurance policies to meet a variety of needs, including accident, cancer, critical illness, hospital, and short-term disability insurance.
  • Getting one or more supplemental insurance plans can help you prepare for unexpected expenses, protect your family, and gain greater peace of mind.

What is a Supplemental Health Insurance Plan?

Supplemental health insurance is additional coverage that can supplement traditional insurance plans. This type of policy can complement the specific category you need more support in and provide an additional layer of financial protection. Aflac offers various supplemental policies that can help with expenses your major medical plan may not cover.

Types of Supplemental Health Insurance

Supplemental insurance can complement a variety of health insurance plans by providing specific coverage for additional financial support. Many of our policyholders consider more than one type of supplemental health insurance plan, including the following:

  • Accident Insurance: This supplemental insurance plan helps cover the unexpected costs that arise when an accident happens out of the blue, helping you get back on your feet.
  • Cancer Insurance: Get help facing the physical and emotional repercussions following a cancer diagnosis. We know that this kind of news may require varying levels of support, from talk therapy to chemotherapy.
  • Critical Illness Insurance: This supplemental plan aids the coverage of treatments and procedures following a life-changing health event, like a heart attack or stroke.
  • Hospital Insurance: Get assistance with hospital expenses not covered by major medical plans.
  • Short-Term Disability Insurance: This plan helps provide income support and treatment options if a short-term disability puts you out of work temporarily.
  • Dental Insurance: Stay on top of your oral health with coverage support for treatments not covered by your primary dental plan.
  • Vision Insurance: Build more vision support in the areas your primary vision plan didn’t cover.
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Should I Get Supplemental Health Insurance?

Having some type of supplemental health insurance can help provide the support you need when unplanned medical expenses emerge. Here are some instances where having additional coverage may make sense:

  • You or a family member has upcoming medical expenses: Certain types of supplemental medical insurance may be helpful if you or someone in your family has a large procedure or treatment coming up. For example, if you know your child will need braces or some type of orthodontic care, supplemental dental insurance can help cover gaps missed by your primary dental plan.
  • You’re at a higher risk of getting cancer: If your family history or lifestyle factors increase your chances of developing cancer, a cancer insurance plan can help cover expenses like specialized treatments, hospital stays, or travel for care that may not be fully covered by your primary health insurance.
  • You have a life-threatening health condition: Supplemental insurance plans can help with ongoing treatments, hospital stays, or recovery support, easing the financial burden on you and your family.
  • You want added peace of mind: Even if you’re generally healthy, having supplemental insurance provides extra security, ensuring you’re financially protected if the unexpected happens.

Aflac offers various plans that fit most budgets and can find a plan that meets your needs. Choosing one or more of these plans can help provide a full circle of protection.

Get a Quote for Aflac Supplemental Health Insurance

You can feel confident in your coverage by getting supplemental insurance from Aflac, one of the leading supplemental health insurance companies in the industry. We recommend chatting with an agent and getting a supplemental health insurance quote for a more detailed look at which plans can benefit you.

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Learn more about Aflac products for Individuals & Families: