Cash benefits paid directly to you after an accident, cancer, heart attack, or stroke - on top of whatever your health plan pays. Enroll year-round.
Supplemental plans pay you, not the hospital - cash you can use for deductibles, bills, or lost income while you recover. They pair especially well with high-deductible bronze ACA plans, and you can enroll any time of year.
You pay a small monthly premium. If a covered event occurs - an accidental injury, or a first diagnosis of a covered critical illness like cancer, heart attack, or stroke - the plan pays a fixed cash benefit directly to you, regardless of what your health insurance covers. There are no networks and no claims negotiations with hospitals.
Many South Florida households choose a $0 or low-premium bronze ACA plan and accept its high deductible ($7,000+). A supplemental accident plan fills exactly that gap: if a serious injury lands you in the ER, the cash benefit offsets the deductible you'd otherwise pay out of pocket. The combined monthly cost is usually still far below a gold plan.
"For healthy families on bronze plans, an accident rider is the cheapest peace of mind I can offer. It turns a $7,000 worst case into something manageable." — Victor Oliveira, Licensed Health Insurance Broker, Fort Lauderdale
A five-minute review of your current deductible usually answers it.
Health insurance pays providers; these plans pay cash to you for covered events - spend it on deductibles, rent, or lost income.
Bronze deductibles run $7,000+. The cash benefit covers that exposure while keeping monthly costs low.
Yes - supplemental plans aren't tied to Open Enrollment.