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Supplemental
(Voluntary) Benefits

Supplemental Insurance Policies

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There is a myriad of types of insurance coverage for people who need protection against what can often go sideways in life. The bad news is that not every insurance policy is adequate enough to fully protect against every possible risk and costs; the good news is that by purchasing supplemental insurance, you can have the peace of mind in knowing all gaps are filled.

Keep in mind that supplemental insurance is not obtained on its own. Rather, supplemental coverage is designed to work in conjunction with some other existing insurance policy, which is known as the primary policy. A good supplemental policy is basically here to cover the gaps in the primary policy.

One of the most common usages of supplemental insurance is to bolster traditional health insurance policies. Supplemental health insurance is meant to cover expenses that will are not included in the primary health insurance. For instance, a primary plan would likely not cover lost wages while a person is hospitalized. However, good supplemental insurance will do just that.

Another coverage type that is quite popular is supplemental unemployment insurance. Though here in the U.S. unemployment coverage is offered by the government to those who have lost their jobs, and though it can often make the difference between solvency and bankruptcy, the income from government unemployment will usually only pay a fraction of a person’s previous earnings. Supplemental unemployment insurance is here to help make up the difference and provide a much larger monetary cushion. It ensures that a family can be helped to maintain the same standard of living of which they have become accustomed.

In conclusion, a supplemental policy can be great for those who wish to avoid out-of-pocket costs that result from the limit having been reached in one’s primary policy. Learn your primary policy details to know if there are holes in your coverage that supplemental coverage can fill in. Consider, for example, that if your existing coverage doesn’t pay out for the total of for your medication purchases, hospital visits, etc, then you might need a supplemental plan to help.


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