Health insurance vs Supplemental insurance
Most of us are familiar with major medical insurance. It’s designed to cover the cost of hospital visits and immediate care when an injury occurs. In this system, the hospital or establishment is paid directly, but what about you…the patient?
Often, while recovering from an injury, a person is faced with two challenges at once:
- A loss of income due to missed work,
- An increase in expenses during the recovery period.
Even with health insurance, you are still responsible for:
- Deductibles,
- Co-insurance,
- Prescription costs,
- And your daily or monthly living expenses.
Supplemental insurance is designed to fill the gap. Unlike major medical, supplemental insurance pays directly to you, the policyholder. There are no restrictions on how you use these funds. While integrity is always encouraged, the reality is that you may apply this money to whatever matters most in your life.
I like to call it M.U.G.S.: Mortgage, Utilities, Gas, and Stuff.
This form of insurance is especially valuable because it eases the financial burdens that come with unexpected hospital visits. It’s available to both the insured and the uninsured, whether on an individual basis or as a business owner. Your agent’s mission is simple: to get you paid so that you can focus fully on your healing.
It’s also important to note that supplemental insurance companies do not pay the hospital or establishment, they pay you.
Affordability & The Trust Factor:
One of the most common misconceptions about supplemental insurance is cost. Many people are surprised to learn that policies often range from just $3 to $12 a week. To put this in perspective, let’s take the midpoint: $7.50.
Think about what you spend $7.50 on in a week, maybe a cup of coffee or a quick snack. Now multiply that by 4, and you have $30 — about the same cost as a monthly supplemental policy.
When I first entered this field, I had no idea these resources existed. That realization was one of the driving factors in my decision to pursue a certification in Life, Health & Supplemental Insurance. If I didn’t know, how many others are also unaware of this support that’s available? That is where my mission began.
The Role of An Agent:
A trustworthy agent will listen to your needs, answer your questions, and present only the options that fit your budget and provide peace of mind. Your best interest should always remain the priority.
It’s also important to remember, when claims are made, you get paid. To ensure the process is smooth, always contact your agent for assistance rather than filing claims on your own.
Coverage for individuals:
- Term and Whole Life Insurance
- Cancer Coverage
- Accident Coverage
- Critical Illness Coverage
Coverage for business owners:
- Accident Coverage
- Cancer Coverage
- Critical Illness Coverage
- Hospital Indemnity
- Short-Term Disability
- Term and Whole Life Insurance
- Dental & Vision
Each package can include a spouse and up to two beneficiaries. Specific details, eligibility, and policy options are discussed in your consultation.
What should I expect next?
Your journey begins with a free consultation. During this conversation, we will discuss your needs in detail and identify which policies are best aligned with your lifestyle and budget. Afterward, we will schedule a follow-up appointment where we walk through the account authorization process.
You will also receive a calendar invite with notes from our conversation, so you have everything you need in writing.
To schedule your free consultation with me, simply click here. I look forward to helping you create peace of mind for yourself and your loved ones.
Love,
1 comment
This sounds exciting