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Supplemental Coverage

Fill the gaps your health plan leaves behind.

Even a great health insurance plan has limits. Supplemental coverage pays cash directly to you when a serious illness, accident, or hospitalization hits, helping cover what insurance doesn't.

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Cash paid directly to you
Works alongside any health plan
Aflac & top carriers
No broker fee
Coverage types

What supplemental insurance actually covers.

Each product fills a different gap. Here's what's on the table and how it works.

Critical Illness

Pays a lump sum if you're diagnosed with a covered condition like cancer, heart attack, or stroke. Use it for anything: medical bills, mortgage, lost income.

  • Lump-sum cash benefit at diagnosis
  • Use it however you need
  • Works alongside your primary health plan

Accident Insurance

Pays cash benefits for injuries from covered accidents including ER visits, fractures, dislocations, and burns. Helps cover deductibles and out-of-pocket costs that add up fast.

  • Covers ER visits, X-rays, and follow-up care
  • Benefits per injury, not per year
  • Affordable — often under $25/month

Hospital Indemnity

Pays a daily or per-stay benefit when you're admitted to a hospital. Health insurance covers the care. Hospital indemnity covers the income and expenses you lose while you're there.

  • Daily cash benefit for each day hospitalized
  • ICU benefits often higher
  • Pairs well with high-deductible health plans

Short-Term Disability

Replaces a portion of your income if an illness or injury keeps you from working. Especially important for self-employed people and those without employer-sponsored disability coverage.

  • Typically replaces 60-70% of income
  • Benefit periods from 3 to 26 weeks
  • Critical for 1099 workers with no sick leave

What most people don't think about until it's too late.

Supplemental coverage is the insurance most people skip — until they need it. A few things worth knowing before you decide it's not for you:

  • Your health insurance deductible could be $3,000 to $8,000. A critical illness benefit can cover that gap the day you need it.
  • If you miss work for 2 or more weeks due to an accident, no health plan replaces your income. Short-term disability does.
  • Most people are one hospitalization away from unexpected financial stress, even with good coverage.
  • These plans are separate from your health insurance. You can add them at any time, and most don't require a medical exam.
Real-world scenarios

What supplemental coverage actually pays out.

These are based on real claim scenarios. The numbers show you exactly how the coverage works when something unexpected happens.

Critical Illness — Cancer
Colonoscopy finds colon cancer

A routine colonoscopy reveals a colon cancer diagnosis. Treatment begins immediately. The policyholder has a critical illness plan with a $50,000 lump-sum benefit for cancer diagnosis.

Critical illness benefit paid $50,000
Total medical bills incurred $14,019
Applied toward medical bills $14,019
Cash remaining after medical bills $35,981

With $35,981 remaining after all medical expenses were covered, the policyholder used the cash to keep up with mortgage payments and vehicle expenses during recovery — money their health insurance would never have paid.

Accident Insurance — Injury
Fell off a ladder, broke hand

A homeowner falls off a ladder, breaks their hand, and requires emergency care, imaging, and follow-up treatment. They have an accident policy with a $5,000 benefit and a $100 deductible.

Accident policy benefit $5,000
Policy deductible ($100)
Net benefit available $4,900
Total medical bills $4,500
Primary insurance deductible owed $3,000
Bills paid by accident policy $4,400
Cash remaining after all bills $1,400

The accident policy covered nearly all of the out-of-pocket costs — including the primary insurance deductible — and still left cash on hand. Without the supplemental plan, that $4,500 in bills would have come entirely out of pocket.

Do I need health insurance to get supplemental coverage?

Supplemental plans can be purchased on their own, separate from any health plan. They're designed to work alongside coverage you already have, but they're not dependent on it.

How much does supplemental coverage cost?

It varies by product, age, and benefit level — but most supplemental plans are significantly more affordable than people expect. Accident policies often start under $25 per month. Stevan will show you real numbers for your situation.

Don't leave gaps in your coverage.

Let's talk supplemental options.

Stevan will review your current coverage and show you exactly where the gaps are — and what it costs to close them.

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