At first, the idea of supplemental insurance may sound redundant: If you already have insurance, why would you consider more?
The answer, quite simply, is that primary insurance such as your health insurance covers only a portion of the total costs you may need help with in the event of sickness or injury.
It’s great that you have insurance – but what about the non-covered costs?
What about replacing lost income, paying rent, buying food – even just covering the expense of transporting loved ones to visit you at a recovery facility? Not to mention the cost of continuing to pay your major medical insurance premiums so your benefits don’t lapse.
That’s why Combined Insurance offers supplemental disability insurance, accident insurance, sickness insurance and life insurance. Our policies are easy to understand so you can make the right decisions about your coverage.
It’s a lot to worry about. Supplemental insurance simply helps you rest a little easier.
Combined Insurance supplemental insurance products are designed to help fill in the gaps your major medical insurance doesn’t cover – and assist in ensuring nothing falls through the cracks.
An estimated 60% of cancer costs are nonmedical expenses and not covered by typical health insurance.
- American Cancer Society: Cancer Facts and Figures 2014 page 3.
Unlike your major medical insurance benefits, which are typically paid to the medical provider, Combined Insurance is paid directly– to you.
It’s your money. You can spend your cash benefit however you like to help replace lost income and assist you and your family maintain your lifestyle.
Combined Insurance isn’t tied to your work. Your benefits are portable because they’re yours, not your employer’s.
Supplemental Insurance 101
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