Cover Your Other Expenses with Supplemental Insurance
An accident or a critical illness can occur suddenly, disrupting your life in many unexpected ways. Health insurance can cover the cost of your medical care, but how will you cover your normal living expenses — or unexpected costs while you are recovering?
Insphere offers a wide range of supplemental insurance plans that pay a cash benefit directly to you. The money you receive from supplemental insurance can be used for anything you choose because this insurance is designed to help you fill your financial gaps. Use the money for out-of-pocket medical expenses and deductibles, offset a loss of income, or even pay everyday living expenses.
Here is some basic information about the types of supplemental insurance plans your Insphere agent offers:
Dental and Vision Plans generally offer coverage options for care through a network of providers. These types of plans usually include:
- Coverage for restorative, preventive and diagnostic dental exams
- In-network savings on dental procedures
- Coverage for eye exams and lenses
- In-network discounts on eyewear, contact lenses and vision correction procedures
Accident Only Plans typically provide a lump sum cash benefit for injuries caused by an accident. This type of plan may also include a cash benefit for each of the following items:
- Hospital confinement resulting from accident
- Emergency room treatment
- Major diagnostic exams
- Required follow up treatment
- Required follow up physical therapy
Critical Illness/Cancer Plans generally provide a lump sum cash benefit for a first diagnosis of a major illness such as heart attack, stroke and many other types of illness including life-threatening cancer.
Hospital Confinement Plans typically provide daily cash benefits for hospital confinement related to an accident or illness.
Disability Plans generally pay monthly cash benefits when you are unable to work. These types of plans usually offer coverage for periods of disability due to:
- An accident
- An illness or injury
Be prepared for the likelihood of accidents and illness with an extra layer of financial protection. Your local Insphere agent can help you select the supplemental insurance products that meet your specific needs and budget. Contact an agent today to learn more.
Insurance product availability and benefits may vary by state.