What Is Supplemental Health Insurance — and Do You Need It?
Even with Medicare, gaps in coverage can leave you with unexpected costs. That’s where supplemental health insurance comes in. These plans are designed to fill the spaces Medicare doesn’t cover, like hospital stays, critical illness recovery, and accident-related expenses.
At our office in Sandy, Oregon, we help seniors throughout Clackamas County understand and compare their options for added peace of mind. Whether you're preparing for the unexpected or just want to avoid financial strain during a medical crisis, supplemental insurance could be a smart step forward.
The Gaps That Supplemental Insurance Can Help Cover
What Is Supplemental Health Insurance?
These are insurance policies that work alongside Medicare, giving you added protection against costs like:
- Extended hospital stays
- Recovery from cancer, stroke, or heart attack
- Unexpected accidents or injuries
- Out-of-pocket expenses that Original
- Medicare doesn’t cover
Why You Might Need More Than Just Medicare
Medicare is a strong foundation, but it doesn’t cover everything. If you were hospitalized tomorrow, or diagnosed with a serious illness, would you be prepared for:
- Travel costs to treatment?
- Time off work for your spouse
- Coinsurance that adds up fast?
Supplemental plans can provide cash benefits in those moments, helping you focus on healing instead of bills.
Types of Supplemental Policies We Offer
We help you choose from a range of plans designed for real-life concerns:
- Cancer Insurance: Cash benefits during treatment for major illnesses
- Critical Illness Plans: Coverage for stroke, heart attack, and other serious events
- Hospital Indemnity Plans: Daily payouts during extended hospital stays
- Accident Insurance: Help covering costs from unexpected injuries
- Dental Insurance for Seniors: Routine cleanings and major dental work
- Vision Insurance: Exams, glasses, and specialist care
We’ll explain how each option fits with your current Medicare coverage.
Should You Consider Supplemental Health Insurance?
There’s no one-size-fits-all answer, but here are a few questions to help you decide:
- Do you have enough savings to cover a major illness or injury?
- Do you want help paying for dental or vision care?
- Would a cash benefit help you or your family avoid financial stress?
- Do you want added support during hospital stays or recovery?
If you said yes to any of these, it may be worth reviewing your options.
We’ll take the time to walk you through the choices, and only recommend what fits your needs and budget.
Answers About Extra Insurance Beyond Medicare
Does Medicare cover everything?
No. Original Medicare doesn’t cover dental, vision, hearing, long-term care, or many non-medical costs of illness.
Is this the same as Medigap?
No. Medigap covers deductibles and copays for Medicare-approved services. These supplemental plans cover other health and recovery needs.
Can I choose just one or two plans?
Yes. We help you pick only what fits your lifestyle and risk factors.
Do I need these if I have Medicare Advantage?
Maybe. We’ll help you check what your current plan covers and whether additional support is a smart add-on.
Source Attribution:
This information was obtained from www.medicare.gov.