Supplemental Insurance Policies in Raleigh, NC

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What is Supplemental Insurance?

Supplemental insurance is a valuable addition to standard health insurance coverage, providing an extra layer of protection and financial support in the face of unexpected circumstances. Accident insurance, disability insurance, and critical illness and cancer insurance policies are three common types of supplemental insurance that offer specific benefits tailored to different scenarios. Accident insurance helps cover medical expenses and other costs resulting from unforeseen accidents, while disability insurance provides income replacement if an individual becomes unable to work due to a disability. Critical illness and cancer insurance policies offer financial assistance in the event of a severe illness diagnosis, helping individuals navigate the challenges associated with such conditions. These supplemental insurance options serve as crucial safeguards, providing peace of mind and added support during challenging times.

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Find the plan that works best for you

Our diverse selection of supplemental insurance plans provides you with the flexibility and financial support you need during periods of illness or injury. These plans offer cash benefits directly to you, allowing you to address any financial gaps that may arise. Whether it's covering medical expenses, nursing facilities, or everyday living costs, the cash benefit can be utilized according to your specific needs. We understand the importance of having the freedom to allocate funds as you see fit, ensuring that you receive the necessary assistance when you need it most.

Accident

Insurance

Accident insurance serves as an effective method for managing the accumulation of out-of-pocket expenses resulting from accidental injuries. These insurance plans provide assistance by offering a lump sum cash benefit to cover qualified accidents, which can be utilized to address unforeseen medical costs or everyday living expenses like mortgage payments, rent, car payments, childcare, or groceries during the recovery period after an accident or injury. The choice of how to spend this money is entirely yours.

Depending on the specific plan chosen, the following expenses related to accidents qualify for receiving direct cash benefits:

Hospital confinement
Emergency treatment in an ER or urgent care facility
Follow-up treatment or physical therapy Diagnostic exam
Surgery
Emergency dental repairs Ambulance/Transportation
Blood & blood plasma
Medical appliance

Critical Illness & Cancer Insurance

Experiencing a heart attack, stroke, or receiving a critical illness or cancer diagnosis can cause significant physical and financial disruptions in your life. To safeguard your economic well-being, a supplementary insurance plan for critical illness or cancer can provide protection by offering you lump-sum cash benefits directly. This money can be utilized to cover expenses that may not be covered by your health insurance, as well as your everyday living expenses. These expenses may include:

Deductibles
Out-of-network specialists
Travel and lodging when treatment is far from home
Child care and household help
Normal living expenses, such as your car payment, mortgage/rent, and utility bills

Disability

Insurance

Individuals lacking disability insurance face the risk of encountering a challenging situation that can turn into a financial struggle if they are unable to work due to an accident or illness.

To address this concern, a supplementary disability insurance plan offers a monthly cash benefit during a period of complete disability, providing a crucial additional level of financial security. This money can be utilized to cover unforeseen medical expenses or everyday living costs while you are unable to work.

When selecting a supplemental disability insurance plan, it is important to consider the following points: