Supplemental Insurance
Cash benefits that fill the gaps in your health plan
How it works
Cash benefits paid directly to you
Pays you, not the provider
Your health plan pays the hospital. Supplemental pays you. Use the cash for deductibles, bills, groceries, or lost wages.
Works with any health plan
Benefits trigger on the event itself, whether that's an accident, a diagnosis, or a hospital stay, regardless of what your primary plan pays.
Affordable gap protection
Individual policies are inexpensive on their own, and group supplemental through an employer is often cheaper still.
The five common types
Pick the gap you want filled
| What it pays | Typical benefit | |
|---|---|---|
| Accident insurance | Cash for injuries from covered accidents | Per-event amounts for ER, fractures, hospitalization |
| Critical illness | Lump sum on diagnosis of cancer, heart attack, stroke, organ failure | Tax-free lump sum, benefit amount you choose |
| Hospital indemnity | Per-day or per-admission cash benefit for hospital stays | Per-day or per-admission cash benefit |
| Cancer insurance | Diagnosis lump sum plus benefits for chemo, radiation, travel, lodging | Varies by policy |
| Gap (medical bridge) | Covers the delta between what your plan pays and what you owe | Tied to deductible and out-of-pocket max |
A practical example
Suppose your health plan has a high deductible and you break your arm. Your health insurance covers the treatment, but you still owe the deductible out of pocket. An accident policy pays you a fixed cash benefit for the fracture, ER visit, and follow-up care — the kind of thing that can wipe out most of the deductible in one event.
That cash goes directly to you. You can use it for medical bills, household expenses, childcare, or anything else. Supplemental benefits are paid based on the event, not based on what your health plan covers.
Self-service option · National General
Quote an Out-of-Pocket Protector accident plan
National General's Out-of-Pocket Protector is a fixed-benefit accident plan that pays cash directly to you for covered injuries — ER visits, fractures, ambulance, follow-up care. The quoting portal asks for a few details, shows you premium and benefit options side by side, and lets you enroll yourself using our agent link.
- Cash benefits paid to you, not the provider
- Pairs naturally with a high-deductible health plan
- Coverage typically effective the day after enrollment
Opens National General's enrollment portal in a new tab. The link is tied to our agent attribution, so we stay your broker of record at no extra cost.
Who benefits most
Is supplemental right for you?
High-deductible health plans
If your health plan has a high deductible, supplemental cash benefits can offset most of that before you feel it.
Self-employed & 1099 workers
No employer sick leave means a hospitalization hits both your bills and your income. Supplemental bridges both.
Active families & at-risk histories
Kids in sports? Family history of cancer, heart disease, or stroke? Accident and critical illness policies are purpose-built.
Took out a small supplemental policy and Austin treated me as though I was a VIP client. World-class knowledge and customer service.
Andrew A.
Supplemental policy client · South Carolina
Related coverage
Round out your protection
Testimonials
What Our Clients Say
Real people. Real guidance. Real peace of mind.
I can't say enough nice things about Will Murdock and the hours he's spent helping me find the best plan. He sat on hold listening to elevator music for hours getting all the kinks worked out with my Medicare and Medicaid.
Stacey R.
Medicare client · South Carolina
I was looking for new health insurance and ended up with dental and vision too. Will offered different plans that worked for my budget. Finding insurance isn't always easy, but they made it simple.
Brittany P.
Individual & supplemental plan member · South Carolina
Sherri is incredible. In the 12 years I've handled our company's insurance, we were only ever offered the same two paths. She gave us options no previous agent had ever mentioned, worked directly with each employee, and answered every question.
Jill C.
Group benefits decision-maker · South Carolina
Kearah saved my sanity. She helped me navigate a very uncertain period of getting solid coverage — she was on every call with me and even did footwork on my behalf. I'll be calling her for life insurance next.
ILONA
Health & life client · South Carolina
Brandon is a wealth of information. He's personable, easy to talk to, and made the crazy world of Medicare make sense. He's my recommendation for friends and family getting ready to become eligible.
Matt L.
New Medicare enrollee · South Carolina
Sherri reached out to the Chamber to discuss our health plan and found us a plan with a wider range of benefits. Her knowledge of the health insurance market is remarkable, and her customer service is exceptional.
Irmo Chamber of Commerce
Member organisation · Irmo, SC
Brandon is super compassionate with older folks. He guided my mom through her Medicare open enrollment so smoothly. Thanks, Brandon.
Melissa F.
Family caregiver · South Carolina
As a self-employed small business owner, I'd always carried high deductibles and minimal coverage to make insurance work. Sherri found my family a plan with real coverage and was patient with every question I had.
Victoria A.
Self-employed plan member · South Carolina
The owner and employees were extremely knowledgeable in finding us insurance options. Sherri explained everything and answered every question. Kristian was professional and never made me feel like a burden — he was happy to help.
Allison H.
Long-time client · South Carolina
Andrew is amazing at serving his clients. He cares for them from the beginning to the end of the process. I'd recommend him to anyone looking to add health or life insurance.
Joy H.
Health & life client · South Carolina
Ancillary carriers
Our Brokerage Partners
Companion Life
Sun Life
Humana
Allstate
MetLife
Mutual of Omaha
Voya
Cigna
Unum
Ameritas
Got Questions?
Frequently Asked Questions
Have a question not listed here? Get in touch.
Supplemental insurance is coverage that works alongside your primary health insurance to help pay for expenses your main plan doesn't fully cover. When a major medical event hits (a hospital stay, an accident, a cancer diagnosis), your health insurance covers the medical bills, but supplemental insurance pays a cash benefit directly to you. You can use that money for anything: deductibles, copays, mortgage payments, groceries, or lost wages.
The most common types include accident insurance (pays a benefit for injuries from covered accidents), critical illness insurance (pays a lump sum upon diagnosis of a serious illness like cancer, heart attack, or stroke), hospital indemnity insurance (pays a daily or per-admission benefit when you are hospitalized), cancer insurance (provides benefits specifically for cancer diagnosis and treatment), and gap insurance (covers the difference between what your health plan pays and your actual out-of-pocket costs).
Supplemental insurance is generally one of the most affordable lines of coverage. The cost depends on the type of plan, your age, and the benefit amount you choose. Accident insurance is typically the least expensive, while critical illness policies with larger benefit amounts cost more. Group supplemental coverage through an employer is often cheaper than buying individually.
Supplemental insurance is most valuable for people with high-deductible health plans, those who would struggle financially during an unexpected hospital stay or serious diagnosis, and anyone who wants extra protection against out-of-pocket medical costs. It is also popular among those who are self-employed, have limited sick leave or savings, or have a family history of serious health conditions. If a surprise medical bill would cause financial stress, supplemental insurance is worth considering.
Explore supplemental coverage options, free
We help you identify and fill gaps in your existing health insurance.