Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Man wonders if he should buy supplemental health insurance

Whether or not you should you buy supplemental health insurance depends on your ability to pay medical bills in a worst case scenario.

If your primary insurance may leave you with a gap you can’t cover in the case of major illness, an accident or the extended inability to work then you may want to consider this coverage.

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Knowing what supplemental insurance is, what it covers and how to obtain it is essential. Read the article below to answer your questions about your own need for this type of coverage.

A Definition of Supplemental Health Insurance

Let’s start with a definition of supplemental health insurance. Supplemental insurance is additional insurance that acts as a sort of “gap filler” or add-on for special circumstances that your current health insurance plan may not cover.

Supplemental insurance usually covers very specific illnesses or circumstances and can help you avoid paying out-of-pocket for these unforeseen occurrences.

Some polices offer cash in the form of a lump sum or through long-term payouts. This money can be used to cover lost wages or even the necessities of life, like food and medication.

Where exactly do you start when looking into supplemental health insurance? You should begin by reading the fine print on your personal insurance plan. Knowing exactly what is and what is not covered helps you to see the gaps that you may want to fill. Only upon realizing your family’s vulnerability can you then decide what is most important.

One of the most common supplemental insurance add-ons covers critical illnesses such as cancer. In these cases, you will receive benefits beyond the basics that are covered by your normal insurance policy. Things such as deductibles, travel expenses that are related to treatment, groceries and basic utilities such as electric and water, as well as car payments, might all be covered by supplemental health insurance.

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Accident Insurance and Filling the Gap

Another form of supplemental insurance is called accidental death and dismemberment or ADAD for short. As with most insurance policies coverage varies based on what state the insured lives in and the chosen provider. Over one million people die from accidental causes each year in the United States alone. It is best to think ahead and prepare for worst-case scenarios.

You are buying peace of mind with such a policy, as you know your family will be taken care of even if you aren’t there to look after them personally. The dismemberment part of this supplemental insurance usually covers situations including a person becoming paralyzed, losing an arm or leg, or even losing eyesight or speech.

What is the cost of these supplemental insurance gap fillers? The good news about supplemental insurance is that it is usually fairly inexpensive. Unfortunately, health insurance rates vary greatly based on many variables such as location, agency, and current coverage, so there is not a way to give a precise quote. However, many agents are quick to explain that insurance is less expensive than that cup of coffee you buy every morning all month long.

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How to Select an Insurance Provider

The most well known supplement insurance company and its duck mascot (with an odd habit of saying the company name over and over again) is not your only supplemental insurance option! There are many different companies out there for you to choose from.

For those of you on a budget, remember to take your time and do online health insurance rate comparisons. The internet is a great tool when used for comparing supplemental insurance costs. You can easily get multiple quotes from different companies all in one easy-to-read report with the free tool on this page. The best part of this service is that is free of charge to use.

Price is not the only factor to consider when comparing offers. Be sure to read the fine print of each contract so that you understand exactly what is being covered in every possible situation. A good insurance contract might not be what you need if it doesn’t fully cover the gaps in your current insurance.

Research the insurance company before deciding on a supplemental policy. If something sounds too good to be true, often times it is. A quick glance at the Better Business Bureau website can tell you if the company is on the level or not. You can also check out your state’s Attorney General Office, as well as professional organizations that may be associated with the company.

Buying supplemental health insurance is a gift to yourself and your loved ones. Be prepared for the future and have peace of mind today. Why not start looking for an affordable insurance policy right now?

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