Supplemental Insurance
Supplemental Insurance Information
Depending on your health insurance plan’s structure, you will often have to pay out-of-pocket costs, such as deductibles, coinsurance or copayments, for certain services. So even though your plan might have paid for your care, you are still required to pay your share, too.
If you’re concerned about the out-of-pocket burden left behind by your standard health insurance, supplemental health insurance may be able to help you bridge the gap. Even though your health plan remains your primary benefit, supplemental plans can help you receive additional coverage, which can pay off by saving you a lot of money in the end.
Our experienced and tenured agents at SWFL Insurance are committed to offering every client the health insurance benefits and supplemental plans that are specifically designed to meet personal and individual needs.
SWFL Insurance has many coverage options available. We are an exclusive provider for Florida Blue. Not all agencies in Florida are able to offer coverage though Florida Blue. Please contact one of our agents today so we can help you with your health insurance needs.
Common Supplemental Health Insurance Questions
Without health insurance, most people probably could not afford to go to the doctor. The right benefits will make medical care both more attainable and more affordable for anyone.
Still, even with a strong health plan in place, you will have to pay medical bills from time to time, and if these bills begin to accumulate, you might begin to feel overwhelmed. Supplemental health insurance plans are separate policies that you can use to further cover outstanding medical costs after your primary health plan pays its share.
A supplement is something that enhances something else. Supplemental health insurance is used to provide extra benefits on top of those already provided by other health plans.
These are not stand-alone health plans, and they are not meant to replace existing benefits. Instead, once your primary health insurance pays its share of your health care costs, you can then file a claim on your supplemental policy. The supplemental plan can then pay outstanding costs on your behalf, which can be a huge help to your wallet and personal solvency.
Anyone who has health insurance can benefit from a supplemental plan. It can cover costs like:
- Insurance deductibles
- Copayments
- Coinsurance
- Inpatient hospital services
- Outpatient care
- Private rooms
- Private-duty nursing
- Unexpected childcare costs
- Living expenses
- Ambulance services
Some plans provide benefits that your standard health plan doesn’t cover at all. These specialized plans include:
- Dental Insurance
- Vision Insurance
- Foreign Travel Insurance
- Long-Term Care Insurance
- Accidental Death & Dismemberment Insurance
- Critical Illness Insurance
- Disability Insurance
Supplemental plans can be astronomically helpful to those who have high costs of health care. Plans are quite affordable, and the cost of your premium will often be much less than the significant out-of-pocket costs you might face if you did not have a supplemental policy.
To get supplemental health insurance, you must have primary health insurance first. Florida Blue offers supplemental plans to policyholders to help offset though the cost of medical expenses.
However, you do not necessarily have to buy your supplemental plan from the same carrier. Primary health insurance and secondary supplemental plans can be coordinated in a variety of ways. The right supplemental plan should both be affordable and offer the best integration with your primary plan.
If you are a Medicare patient, then you can buy specific supplemental coverage through a Medicare supplemental plan, also known as Medigap coverage.
Medigap plans will cover outstanding costs left by Medicare Part A & Medicare Part B, such as copayments, deductibles and coinsurance. There are numerous Medigap plans offered by private insurers, though not all plans are available in all areas or to all Medicare patients.
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