Supplemental coverages help employees pay for out-of-pocket costs. 

Typically, supplemental benefits provide a level of protection above traditional health insurance plans, such as co-pays, coinsurance, or deductibles, and are paid directly to the employee.

Supplemental benefits are optional and the premiums are paid by the employee. You can offer them with no additional cost to your business.

There are different types of Supplemental Insurance available for your employees to consider.

Supplemental Accident Insurance provides additional coverage with specific benefit amounts for injuries received in a covered accident to help with the out-of-pocket costs that your existing coverage may not cover. Accident Insurance can cover related medical costs such as:

• Co-payments.
• Co-insurance and deductibles.
• Medical treatment for fractures and dislocations or physical therapy.
• Crutches, wheelchairs or other medical aids you may need as a result of your accident.

Cancer Insurance provides financial protection for families when medical bills and other expenses are the result of cancer diagnosis and treatment. Cancer Insurance provides
reimbursements for:

• 2^nd opinion consultations
• Anti-nausea medication from chemotherapy or radiation.
• Surgery
• Wigs
• Travel expenses including lodging and even experimental treatments.

Critical Illness Coverage provides a lump sum benefit to help with out-of-pocket medical
and/or non-medical expenses of a critical illness. Some examples of critical illnesses are:

• Heart attack
• Stroke
• Major organ failure
• End stage renal (kidney failure)
• Coronary artery bypass graft surgery
• Permanent paralysis
• Coma
• Blindness

Unlike life insurance, the lump sum becomes payable upon diagnosis of the illness.