Supplemental Health Plans
Extra protection that fills the gaps.
Supplemental health insurance helps cover costs regular plans don’t—like accidents or hospital stays. We help California businesses add flexible coverage that protects employees and strengthens your benefits.
Support beyond primary health coverage.
What’s Included
Supplemental health plans are designed to pair with existing insurance and reduce financial pressure during health emergencies. These policies are especially valuable for employees with high-deductible health plans, limited savings, or dependents. We’ll help you tailor a mix of options to meet your team’s real-life needs.
01
Accident Insurance
Pays cash directly to the employee for covered injuries like sprains, fractures, or ER visits.
02
Hospital Indemnity Plans
Provides a fixed payment per day of hospitalization, regardless of actual costs.
03
Critical Illness Coverage
Delivers a lump-sum benefit after a diagnosis of conditions like cancer, heart attack, or stroke.
04
Cancer-Specific Plans
Offers focused financial support for those facing cancer treatment, travel, or recovery costs.
05
Outpatient Procedure Benefits
Helps cover costs associated with surgeries or specialist visits not fully covered by primary insurance.
06
Wellness Incentives
Some plans offer cash for completing preventive care activities like annual physicals or screenings.
Why Supplemental Coverage Matters
Medical plans don’t always cover everything. Supplemental health insurance provides an added layer of financial security—especially during unexpected health events. It gives your employees the flexibility to use cash benefits however they need, from paying medical bills to covering rent or groceries. These plans help California employers offer meaningful, low-cost solutions that reduce stress and improve employee satisfaction.
Supplemental Health FAQs
What are supplemental health plans?
These are optional insurance policies that work alongside your primary health coverage. They provide direct cash benefits when a covered health event occurs, such as an accident or hospital stay. Supplemental plans help offset out-of-pocket costs and can be used however the employee chooses.
How do supplemental plans benefit employees with high-deductible health plans?
They’re a great fit. Supplemental coverage can soften the financial blow of meeting high deductibles or paying for services not covered by the base plan. Employees receive a lump sum or daily benefit to help cover immediate expenses.
Can employees use the benefits for non-medical expenses?
Yes. Benefits are paid directly to the employee, who can use the funds for anything—rent, groceries, childcare, or travel. That flexibility makes these plans especially valuable during recovery or extended leave.
Are these plans expensive for the employer?
Not at all. Many supplemental health plans are offered as voluntary benefits, meaning employees cover the cost. Even employer-sponsored options are budget-friendly and easy to administer.
What’s the difference between supplemental health and major medical insurance?
Major medical insurance pays providers directly for covered services, subject to deductibles and co-pays. Supplemental plans pay cash to the employee based on the event, not the service. They’re designed to enhance—not replace—your core health benefits.