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
| Item | 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
Following a significant life event and realising my son's health insurance had lapsed, Kearah skillfully found us the right coverage and right on time. Her level of customer service and care is top tier and exactly what I needed during this time.
Alana A.
Long-time client · South Carolina
Andrew Mayne was beyond amazing. I am such a procrastinator and this was the last day to enroll, so I was panicking. Even though I was a mess, he was calm and extremely thorough at explaining everything to ensure I understood and was comfortable with what I chose.
Melanie L.
Insurance client · South Carolina
Andrew has now helped me with my insurance twice. He's thorough and explains all the plan options — pros, cons, the differences. He didn't rush me or make me feel bad for asking more questions. If you're looking for an agent who isn't pushy, you need to call Mr. Mayne.
Kaitlyn F.
Term life client · South Carolina
I can't say I have any belief in anyone dealing with insurance, but Jeff was absolutely amazing for the second year in a row. A two-minute phone call got everything done I needed for my health insurance renewal — the easiest thing I've done. There need to be more like him for people who are overwhelmed and just need one thing to be easy.
Toni B.
Self-employed plan client · South Carolina
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
Excellent service — very informative on providing me dental and vision for the new plan year. Kearah Vereen is a great asset to this company. Thanks for her support.
Sheleen S.
Dental & vision client · South Carolina
Just got dental insurance and I'm so excited because I need some dental work done. Thank you so much, Kearah, for helping me find the right plan and being kind and understanding through the whole process.
Shelby B.
Dental client · South Carolina
Andrew Mayne helped my husband and I get health insurance after moving to South Carolina from Ohio. He was very helpful with understanding our choices and what would be best for us. Super nice and very knowledgeable. Highly recommend.
Olivia P.
Individual plan client · South Carolina
Absolutely love this company. I tried another insurance company that didn't get me half the benefits this one did. Andrew Mayne helped me find coverage the day I called that met all my requirements. Highly recommend.
Arianna P.
Employee benefits client · South Carolina
They always answer during business hours, and someone is always willing to assist with whatever questions or concerns I may have. They're always pleasant — I've been doing business with them almost three years. Chris is very patient and makes sure policies are understood.
Brian P.
Small business client · South Carolina
Sherri was wonderful to work with — thorough and patient with all of my questions. I cannot recommend Sherri or her company enough.
Savannah G.
Office Manager · Andersons Welding Service
Will was extremely helpful getting us our Medicare A, B, Supplement, and Drug plan. My situation was difficult — I'm handicapped and only qualify for spousal benefits, and my medications are expensive. Will worked hard to find a Part D plan that fit.
Susan S.
Medicare Part D client · South Carolina
Will did a great job helping my wife and I get exactly what we needed. Our situation was a bit out of the ordinary — she's in a wheelchair and on multiple expensive medicines. Will got us into the right Supplement and Drug policies. Two thumbs up from us.
John S.
Medicare Supplement client · South Carolina
Brandon did a great job with our health plans. We're new to South Carolina and both need plans that can be used in New York as well. He knows his job very well — we highly recommend talking to Brandon about your Medicare Supplement plans.
Debby & Don H.
Medicare Supplement clients · South Carolina
Alana is the most helpful insurance agent we have ever dealt with. Always positive, upbeat, and efficient — she is honest and upfront about everything. I would highly recommend anyone calling her for a quote.
Robin M.
Long-time client · South Carolina
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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.