SUPPLEMENTAL INSURANCE

What is it?

While a portion of the primary health insurance costs are the responsibility of the member and are paid to the medical center, the supplemental insurance pays cash directly to the insured person. The main objective is to guarantee a cash income that helps pay for expenses not covered by primary health insurance.

Comprehensive health protection combines primary insurance with supplemental insurance.

Supplemental insurance also has other advantages: The insured receives the money for covered losses, even if they no longer have payment responsibility with the health provider because they have reached their annual Maximum Out-of-Pocket (OOP). On the other hand, the policies are national in range throughout the United States and Canada. Covering 365 days a year, on and off work.

Nobody plans to get sick or have an accident; Complementary coverage represents significant economic relief from the unexpected. They are an intelligent way to foresee the least economic impact on the home and family in a health situation.

Some types of supplemental insurance:

Hospitalization Policy: Reimburses cash for visits to the Emergency room, hospitalization in the ward or in intensive care, rehabilitation center, visit to the doctor’s office and preventive exams, surgical procedures, ambulance, among other benefits.

Accident Protection: Whatever the origin and type of accidental injury (burn, fall, blow, etc.) this protector will pay for hospitalization, ambulance, transportation, physiotherapy, prosthesis, injuries such as fractures, paralysis, injuries, burns; dismemberment, accidental death, among other benefits.

Cancer care protector: Given the probability of suffering from this disease, this policy allows you to receive cash income that facilitates the quality of life necessary to recover healthily, as well as to face the high costs of medical treatments that cancer requires. Express payment for first diagnosis, hospitalization, medications, medical and nursing services, transportation, ambulance, anesthesia, blood, chemotherapy, surgery, transplant, among other benefits. It is a recommended policy for people with a history of cancer in the family.

Critical Illness Policy: Following a diagnosis of cerebrovascular accident, heart attack, or end-stage renal failure (with or without cancer), this policy will pay cash for hospitalization, radiation, chemotherapy, consultation, plus a lump sum and other benefits.