Real advice that makes supplemental insurance easy.

Easy to Understand Why

What is Supplemental Insurance?

Supplemental insurance is extra or additional insurance that helps you pay for things your standard insurance doesn't cover. When you choose supplemental insurance plans from Combined Insurance, cash benefits are paid directly to you so you can use the money to help pay for out-of-pocket medical costs, lost wages or other unexpected expenses due to illness or injury.

Do I really need supplemental insurance?

Unexpected accidents and illnesses happen. When they do, it can leave you and your family vulnerable to out-of-pocket expenses that standard insurance does not cover. Supplemental insurance benefits reduce the worry about how you will pay for those expenses. With less worry, it's easier for you to focus on getting well.

What happens when I have an accident?

Filing a claim with Combined Insurance is easy. Visit the Combined Insurance web site to download your claim forms, or call 1-800-225-4500 (New York residents please call 1-800-951-6206) to have them mailed to you.

How do I get supplemental insurance?

Combined Insurance makes it easy for you. Just call us at 1-800-490-1322 (New York residents please call 1-800-951-6206) to schedule an in-home appointment with a local Combined Insurance agent. During the visit, our agent will work with you to identify your protection needs, then offer coverage options to help meet those needs.

Easy to Understand Insurance

Disability Insurance

Supplemental disability insurance provides benefits to you if you are totally disabled and unable to work. Combined Insurance's Income Protector supplemental plan provides financial help, in the form of a set monthly benefit, to your family if you become sick or are injured and are unable to work.

Accident & Sickness Insurance

Supplemental accident & sickness insurance helps by giving you specified benefits for hospitalization, emergency room care, recovery income, outpatient surgery and more. Combined Insurance's Accident and Sickness Protector offerings help you fill in the gaps in your major medical insurance coverage.

Supplemental Health Insurance

When a major illness touches your family, supplemental health insurance helps you pay for some of the costs associated with recovery. Our Critical Care Protector and our Cancer Care Protector offerings are two ways Combined Insurance can help protect your family when needed.

Life Insurance

Supplemental life insurance provides cash that helps take care of your family when you're not there to do it yourself. Combined Insurance's Family Life Protector offerings provide protection that's clearly written and easy to understand so you can be sure it's the right plan for you and your family.

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