Supplemental Insurance Coverage

WHAT IS A SUPPLEMENTAL INSURANCE COVERAGE?

A supplemental insurance plan benefit can be many things to many people. In a nutshell, they generally fill in a "gap" in your health insurance coverage. These insurance plans are designed to replace missing income or to help pay for services that are not covered by your insurance or to cover any "deductible" you may have (the gap).

There are many different types of supplemental insurance plans, from Medicare, which is the most commonly known to Accident, Disability, Cancer, Critical Ilness, etc. Did you know that 1 out of every 2 men AND one out of every 3 women will get cancer in their lifetime?

Basically, if you may incur medical expenses, accidents or any debilitating illness, you should consider a supplemental insurance plan. For example; if you have health insurance and get cancer, it is estimated that 60% of the expenses are non medical; travel, loss of work, personal items (wigs,dietary supplements), food, living expenses, etc. If you are active, participate in sports or just drive on our highways, an accident plan may work for you. These are things we can discuss and decide what suits your individual needs.

Because not every company suits everyone's needs we offer AFLAC (www.aflac.com) and Allstate workplace.

It is important that Medicare members have some type of supplement whether it be a Medicare Advantage plan or a Medicare supplement. Medicare annual open enrollment is from 11/15 through 12/31 each year.

Leady Benefits offers Supplemental Insurance Products from the following insurance carriers:

AFLAC: (Cancer, accident, hospital indemnity, disability, life insurance, vision, and more)
ALLSTATE: Workplace (awd); (cancer, accident, hospital indemnity, disability, disability, life insurance, and more)
Medicare Supplements: Plans A-L with AARP and Mutual of Omaha
* We also offer medicare adantage plans for certain cases because they are not as costly as the medicare supplements