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Supplemental Insurance

Many people who have health insurance or are on Medicare assume that their health needs will be totally covered. In many cases, regular health insurance does not cover all of a person’s expenses, especially during major illnesses and catastrophic injuries. If you find yourself disabled or dealing with a major illness, you may find that the co-pays, deductibles, and caps on payments add up to a major drain on your bank account. So those who are fully prepared can pull out their supplemental insurance card and let someone else pay that bill.

Who needs supplemental insurance? Everyone with a body, and that includes you! Supplemental insurance is simple to understand; it covers all of the stuff that your normal health insurance does not. If you end up sick or disabled, those little things will add up quickly to bankruptcy. A supplemental health plan is as easy to use as your regular health insurance.

There are many different types of supplemental plans. Some cover all of the stuff that your regular health insurance does not, paying directly to the hospitals and doctors that render care. Others give you a lump sum, depending on your condition, which you can then spend as needed on medications, care, and other miscellaneous expenses.

In many cases, the major barrier to getting high quality medical care is cost. Many people assume that having health insurance keeps them from being affected by financial considerations, but insured people are just as likely to be hit hard by a major illness. However, if you are one of the well-prepared people who planned ahead by buying a supplemental health insurance plan, you will be able to get the care that you need without cutting into your budget. Because these plans are affordable, that peace of mind is well within your reach.