Supplemental
Coverage that pays you when life interrupts your business.
Accident, critical illness, and hospital indemnity plans that pay cash benefits — independent of your health plan.
When a slow month and an emergency arrive at the same time, supplemental coverage helps with the bills your health plan doesn't. These plans pay flat cash benefits for covered events so you can cover deductibles, rent, or income gaps while you recover.
Accident plans
Cash benefits for covered injuries and ER visits.
Critical illness
Lump-sum benefit for covered serious diagnoses.
Hospital indemnity
Per-day benefits for covered hospital stays.
Pays you cash
Use the benefit however you need — not just medical bills.
What to consider
- Supplemental is not a replacement for major-medical coverage.
- Pre-existing condition limits and waiting periods often apply.
Questions agents ask
Do I need a health plan to buy supplemental?+
Usually not, but supplemental works best layered on top of major-medical coverage.
Plan availability and benefits vary by state, carrier, and underwriting. KeyHolder Health is a private insurance marketing and referral service — not affiliated with or endorsed by the U.S. government, Medicare, healthcare.gov, or any state agency.
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