Supplemental Insurance – Meacham Houston Insurance (MHI)

SUPPLEMENTAL INSURANCE

Supplemental insurance, also known as voluntary or ancillary insurance, is additional coverage that individuals can purchase to supplement their primary health insurance.

It is designed to provide extra financial protection and fill in the gaps left by traditional health insurance plans. While primary health insurance typically covers a range of medical expenses, supplemental insurance focuses on specific areas of coverage, such as critical illness, accident, disability, dental, vision, or hospital indemnity.

Supplemental insurance plans usually pay out benefits directly to the policyholder, which can be used to cover various expenses related to their healthcare needs. These benefits can be used to cover out-of-pocket costs like deductibles, co-payments, and co-insurance. They can also be used to address non-medical expenses, such as transportation costs, lost wages, childcare, or even household bills, during a period of illness or injury.

Supplemental insurance plans can be designed to cover:

Dental Services: Supplemental dental insurance can cover expenses related to preventive care, routine check-ups, cleanings, fillings, extractions, and more.
Vision Care: Certain supplemental insurance plans offer coverage for vision-related services such as eye exams, glasses, contact lenses, and more.
Hospital Indemnity: Supplemental insurance can provide a fixed cash benefit for each day you’re admitted to the hospital, helping to cover expenses like accommodation, meals, and transportation.
Critical Illness: This type of supplemental insurance pays a lump-sum benefit if you’re diagnosed with a specified critical illness like cancer, stroke, heart attack, or organ failure.
Accident Coverage: Supplemental insurance plans may offer coverage for accidental injuries, including medical expenses, hospital stays, rehabilitation, and related costs.
Disability Insurance: Some supplemental policies provide income replacement benefits if you become disabled and unable to work, helping to replace lost wages during that period.
Long-term Care: Certain supplemental insurance plans may cover long-term care services such as nursing home care, home healthcare, and assisted living facilities.

Allow us to sit down and carefully review and compare different plans to determine which supplemental coverage aligns best with your specific needs and budget.

Our Carriers:

Manhattan Life
Life Secure
United Healthcare
Humana
Mutual of Omaha
& more

*It’s important to note that supplemental insurance is not meant to replace primary health insurance but rather provide additional financial support. It can be particularly valuable for individuals who want extra protection against unforeseen healthcare expenses or those with high-deductible health plans.

"Supplemental insurance: an extra layer of protection, a safety net for the unexpected. It's the peace of mind knowing that you're covered beyond the limits of your primary insurance."

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