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Supplemental Insurance
Extra Protection for Life’s “What Ifs”
Even with a good health insurance plan, unexpected medical events can still create serious financial stress. Supplemental insurance is designed to help fill those gaps — providing cash benefits that can be used for deductibles, copays, household bills, and everyday expenses when you need it most.
At United Insurance Corp, we help you review your current coverage and see where a supplemental plan could add an extra layer of protection for you and your family.
What Is Supplemental Insurance?
Supplemental insurance is additional coverage that works alongside your primary health insurance. It doesn’t replace your main medical plan — instead, it helps:
- Offset out-of-pocket medical costs
- Provide cash benefits directly to you (in many cases)
- Protect your income and savings when an unexpected event happens
You can often use these benefits however you need:
- Medical bills
- Travel costs for treatment
- Childcare
- Household bills
- Rent or mortgage payments
Types of Supplemental Plans We Can Help You With
Accident Insurance
Hospital Indemnity Insurance
Hospital Indemnity Insurance
Helps provide benefits if you’re injured in a covered accident.
- Broken bones, sprains, concussions
- Emergency room and urgent care visits
- Follow-up care and physical therapy
Hospital Indemnity Insurance
Hospital Indemnity Insurance
Hospital Indemnity Insurance
Pays a set benefit when you’re admitted to a hospital for a covered stay.
- Per-day or per-stay cash benefits
- Can help with deductibles, coinsurance, and non-medical costs while you’re out of work
Critical Illness Insurance
Hospital Indemnity Insurance
Critical Illness Insurance
Provides a lump-sum cash benefit if you’re diagnosed with a covered serious illness, such as:
- Heart attack
- Stroke
- Certain cancers
- Other major conditions
You can use this money however you need — not just for medical bills.
Cancer Insurance
Disability / Income Protection
Critical Illness Insurance
Cancer-specific plans that help with the extra costs that come with treatment, such as:
- Travel and lodging
- Loss of income
- Medications and specialized care
Disability / Income Protection
Disability / Income Protection
Disability / Income Protection
Helps replace a portion of your income if you’re unable to work due to a covered illness or injury.
- Can help with monthly bills
- Protects your lifestyle and long-term plans
Dental & Vision Plans
Disability / Income Protection
Disability / Income Protection
Standalone or supplemental coverage for:
- Routine exams and cleanings
- Fillings, crowns, and other dental procedures
- Eye exams, eyeglasses, and contact lense
Who Is Supplemental Insurance Good For?
Supplemental insurance can be especially helpful if you:
- Have a high-deductible health plan
- Are self-employed or don’t have paid sick leave
- Have children who are active in sports or activities
- Want extra protection as you get closer to retirement age
- Have a family history of certain health conditions
- Simply want more security if something unexpected happens
We’ll help you decide whether a supplemental plan fits your budget and risk level — and which type (
How Supplemental Insurance Works With Your Existing Coverage
Supplemental plans are typically simple and straightforward:
- You experience a covered event (such as a hospital stay, accident, or diagnosis).
- You or your provider submit a claim to the supplemental carrier.
- The carrier pays benefits directly to you (in many cases), not the doctor or hospital.
- You decide how to use the money — medical expenses, travel, bills, or anything else.
