Supplemental health insurance fills gaps in your standard plan. It can provide financial aid for cases beyond the essential medical care that your policy currently provides. People might purchase supplemental coverage to access dental and vision care from a preferred doctor not in their health network or to help in case of a critical or chronic illness.

What Is Supplemental Health Insurance?

Supplemental health insurance is exactly what it sounds like: it supplements your current coverage. In addition to helping cover the costs associated with routine medical care, like copayments and deductibles, it can also cover specific conditions and scenarios, like long-term care, disability, or even travel.

You can purchase supplemental insurance through your primary insurance provider, with the help of a licensed agent at a local insurance agency, or in a private marketplace. Fortunately, unlike standard coverage, you do not have to wait for an open enrollment period to purchase your supplemental policy. Additionally, some supplemental coverage does not eliminate applicants solely for preexisting conditions. This can be especially helpful for those suffering from chronic illnesses that their main provider does not cover. 

Should I Have It?

Supplemental health insurance can protect both your health and financial security. For example, vision and dental plans encourage you to take a proactive approach to your health. Since they provide the means to schedule regular exams, you will have the opportunity to identify and treat minor issues before they become major concerns. 

If you want to purchase supplemental health insurance to protect you and your family, turn to Kalita Agency in Watertown, CT. Their knowledgeable agents will be happy to help you devise a custom policy that will cover all of your particular healthcare needs, including those that your current provider does not. Visit their website to request a quote for a custom insurance policy, or call (860) 274-8882 to discuss your coverage requirements today.