The Basics of a Supplemental Health Insurance Plan

a person in a dentist chair

What you should know about a supplemental health insurance plan. 

A supplemental health insurance plan is a health care plan that covers anything above and beyond minimum essential medical coverage. Supplemental health plans can provide added medical coverages or can also be purchased to contribute to paying the costs not typically covered by a basic health insurance policy, for example, co-insurance, co-pays, and deductibles.

Some supplemental health insurance plans include:

  • Dental insurance for adults
  • Vision insurance plans
  • Critical illness insurance
  • Disability insurance
  • Long-term care insurance
  • Short-term care insurance
  • Medicare or Medicaid supplemental plans

A supplemental insurance plan is designed to pay benefits to the insured. The amount of payment and how it is paid out depends on the supplemental health insurance plan or policy.

Many people wonder if they are well suited to a health insurance plan. There is no one answer – it will depend on your risk factors, how much insurance you want, and what you want to be insured for. Supplemental plans are optional, so it is well worth considering your family, health, and finances. For example, if you have a child that may need orthodontic care in the future, then you may decide to purchase supplemental dental care.

Another example would be if you know that you wouldn’t be able to afford the costs of long-term care if you were diagnosed with a condition. In this situation, having supplemental care is well worth the peace of mind.

Skip the search of finding the right insurer for your needs by contacting the team at American Premier Insurance directly. We serve those in Washington and Oregon with their insurance needs.