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Helping Oregon's Local Business Owners Find the Best Healthcare Plans for Their Companies and Employees

Supplemental Insurance

About Supplemental Insurance

Supplemental insurance is extra or additional insurance that you can purchase to help supplement services and out-of-pocket expenses that your regular insurance does not cover. Supplemental insurance is not a replacement for your health insurance, but supplemental plans help pay for out of pocket medical expenses such as copayments, deductibles and coinsurance. Some supplemental plans offer a cash benefit paid directly to you over time or in a lump sum to be used to cover lost wages, transportation, food, or other unexpected expenses you have incurred due to illness or injury.

Plans such as Aflac pay a cash benefit to the insured based on your specific plan or policy. Some popular supplemental plans are for cancer, accidental death and dismemberment or hospital indemnity insurance. Whether you need a supplemental plan depends on your risk factors and how much insurance you want to carry or can afford.

 

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