Supplemental Insurance
Understanding Supplemental Insurance Coverage
Supplemental insurance provides extra protection beyond your primary health insurance or secondary health insurance. It helps cover out-of-pocket expenses and medical bills that aren’t typically covered by your main health insurance plan — offering cash benefits and peace of mind when unexpected costs arise.
Benefits of Supplemental Insurance
Financial Protection from Unexpected Costs
Flexible Cash Benefits
Complete Coverage and Peace of Mind
Supplemental insurance plans help pay for medical expenses, hospital stays, and everyday expenses when your primary health insurance doesn’t cover everything. These supplemental coverage options can reduce out-of-pocket costs and keep your finances stable during recovery.
Many supplemental insurance options, such as critical illness insurance or accident insurance, offer lump sum or cash benefits directly to you. You can use the funds for medical care, utility bills, household expenses, or any need that arises after an accidental injury or serious illness.
Combining supplemental health insurance with your primary health plan creates complete coverage. From hospital indemnity insurance to dental insurance and vision plans, these supplemental plans ensure that you’re covered for preventive care, routine eye exams, routine teeth cleanings, and more.
Individual Supplemental Insurance Plans
Our individual supplemental insurance plans are ideal for those seeking extra health coverage and financial protection. Whether you choose hospital indemnity plans, critical illness insurance, or specified disease insurance, these insurance plans help bridge the gap left by minimum essential coverage under the Affordable Care Act (ACA). They can also include vision insurance, dental plans, and life insurance for total protection.
Medicare Supplemental Insurance Plans
If you have Original Medicare, a Medicare supplement (or Medicare supplement insurance) can help cover costs that Medicare doesn’t fully pay — like copayments, deductibles, and coinsurance. Our team helps you compare Medicare supplement plans to find the one that best fits your medical care needs, budget, and benefit details. These secondary insurance options ensure complete coverage and reduce stress during medical treatments or hospital stays.
Why Choose Houtz Insurance?
At Houtz Insurance, we make it easy to buy supplemental insurance that complements your existing health insurance coverage. Our experienced agents guide you through different supplemental plans to help you choose supplemental insurance that fits your needs and lifestyle.
Expert Guidance and Trusted Partnerships
Customized Coverage Options
Ongoing Support and Service
We work with leading insurance companies and life insurance companies to provide reliable supplemental insurance plans. Our team explains complete details, including waiting periods, covered services, and plan covers requirements.
We tailor every health plan to your circumstances—whether you need accident insurance, hospital indemnity insurance, or a critical illness insurance plan. You’ll get additional benefits that align with your health and financial priorities.
From the open enrollment period to claim assistance, our team supports you every step of the way. We help ensure your supplemental insurance continues to meet your evolving needs, providing true complete coverage and ongoing peace of mind.
Get Started Today!
Protect yourself and your family with supplemental health insurance from Houtz Insurance. Whether you’re seeking individual coverage, Medicare supplement insurance, or a hospital indemnity plan, we’ll help you find the best coverage options available.
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Contact Houtz Insurance today to learn how supplemental insurance can fill the gaps in your primary health insurance, reduce out-of-pocket costs, and provide lasting financial security.