Frequently Asked Questions
Q: What is Supplemental Insurance?
A: Supplemental insurance is extra or additional insurance
that helps you pay for out-of-pocket costs that your major medical insurance
doesn't cover. Things such as loss of income, co-pays and co-insurance,
travel and lodging, etc. The benefits are paid in cash directly
to you so you can use the money however you choose to pay for
those unexpected expenses due to illness or injury.
Q: Do I really need supplemental insurance?
Unexpected accidents and illnesses happen. When they do,
it can leave you and your family vulnerable to out-of-pocket expenses
that major medical insurance does not cover. Supplemental insurance
benefits give you piece of mind and reduce the worry about how you will
pay for those unexpected expenses. With less worry, you can focus on
getting well rather than how you will get the money to pay your light
Q: What happens when I have an accident?
A: Filing a claim is easy. You will simply visit our web
site to download your claim forms, or call us at 1-877-740-8683 to have
them mailed to you.
Q: How can I get supplemental insurance?
A: We make it easy as 1-2-3. 1. Just call us toll-free
at 1-877-740-8683. 2. We take the application over the phone in less
than 10 minutes. 3. You get your policy in the mail in 1-2 weeks. It's
that easy! Our knowledgable representatives will work with you to identify
your protection needs, so you have the coverage you need to help meet
Q: How do I qualify; do I have to complete a physical?
A: Almost anyone can qualify for an accident policy even
if they cannot get major medical. There are very few health questions,
and no physical is required. Generally, as long as you can answer "No"
to the health questions, the coverage is issued and can become effective
within 15 days from the date of the application.
Q: What services are covered?
A: Most plans pay cash for things such as:
Exclusions and limitations vary by policies by state,
so always refer to your policy or outline for applicable exclusions and