Best Supplemental Health Insurance Plans and How to Find Them

Supplemental health insurance exists to fill in the gaps in your existing health insurance coverage. There are a lot of myths above health insurance in the United States and how exactly it works. One of the biggest misconceptions is that health insurance covers any possible medical treatment. In reality, that’s simply not the case.

There are many common treatments and procedures that aren’t covered under a traditional health insurance plan. For instance, dental insurance and vision insurance both require some kind of supplemental coverage and are not included under traditional health insurance. This means you need to search for the best supplemental health insurance plans that suit your needs.

Failing to get the right coverage could result in uninsured costs down the road if you aren’t careful. For example, if you don’t have dental coverage, even a small procedure like a filling can cost upwards of $170. You deserve to live a life free from stress about unexpected medical procedures. While in a perfect world, health insurance would be easy and affordable, we can all take steps today to protect ourselves.

What is Supplemental Health Insurance?

First, let’s take a closer look at what supplemental health insurance really is and why it matters. In basic terms, a supplemental health insurance plan is a health care plan that offers coverage for things that go beyond the minimum essential medical coverage. They can be purchased to contribute to any costs not covered under your existing healthcare coverage.

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There are a lot of different types of supplemental plans to choose from, and they also come at different price points depending on your own needs. Here are a few common examples of supplemental health insurance plan types:

Dental insurance – Children are the only ones included with dental coverage under traditional health insurance. Otherwise, adults need dental insurance for annual exams, cleanings, and more advanced treatment.

Vision insurance – If you expect to need vision insurance for annual exams, eye troubles, or even glasses or contacts, you should check out vision insurance plans here.

Disability insurance – With disability insurance, you’re covered if you find yourself disabled and unable to keep working.

Critical illness insurance – If you’re faced with a life-threatening illness, these usually cost more than traditional health insurance will cover. With critical illness insurance, you don’t have to worry about crippling medical bills if you’re unexpectedly diagnosed with a critical illness.

Travel insurance – Finally, did you know most traditional health insurance plans don’t cover you if you travel? In fact, they might not even provide out-of-state coverage. Travel insurance is a low-cost solution that ensures you can get healthcare no matter where you go even if you’re outside of your network.

This is only a sample of the options available for supplemental insurance. The type you choose will depend on your lifestyle, needs, and budget.

Where to Find Supplemental Health Insurance

Now that you know how supplemental insurance works and what types are available, it’s time to discuss how to find the right plan. Your first step is to check what’s included in your current health insurance package. You might have more coverage than you think, so don’t overpay for what you don’t need.

When choosing your supplemental insurance, consider your own health risks and how much you can afford to spend. Again, you don’t want to overpay. Once you have an idea of what you’re looking for, start by checking with your employer. Many employers offer extended benefits within your current health insurance plan. You might be able to find the vision, dental, disability, or more through your employer.

If you don’t have success through your employer, you can search with a private insurer that covers your network. The Healthcare Marketplace is a great place to search for providers in your area.

Protect Your Coverage

Don’t make the mistake of assuming you’re fully covered under your current health plan. Most traditional health insurance plans don’t offer coverage for things beyond the minimum essential coverage. It’s always a smart idea to familiarize yourself with your exact coverage to avoid surprises.

If you do need supplemental coverage, the good news is you have options. Most supplemental plans are extremely affordable, so you can get the care you need.


We have written up our thoughts here on supplemental health insurance and it’s benefits and we are always open for your comments or suggestions. We will be hanging around to answer your queries and comments in the comments section below. Do drop your mail id in the below or sidebar subscription box to get all the latest updates for free directly to your mailbox.

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