Supplemental Insurance
Extra Protection for Life's Unexpected Costs
Accident, critical illness, and hospital indemnity plans pay cash benefits directly to you — helping cover deductibles, copays, and everyday expenses when the unexpected happens.
Prefer to talk it through? Call 801-449-0889
Accident Insurance
Pays a cash benefit if you're injured in a covered accident, helping offset copays, deductibles, and everyday expenses while you recover.
- Lump-sum or per-incident cash payouts
- Covers ER visits, fractures, and follow-up care
- Benefit paid directly to you, regardless of other insurance
Critical Illness Insurance
Pays a lump-sum cash benefit if you're diagnosed with a covered serious illness like cancer, heart attack, or stroke — money you can use however you need.
- One-time cash payout upon covered diagnosis
- Use funds for treatment, travel, or lost income
- Works alongside your existing health plan
Hospital Indemnity Insurance
Pays a fixed cash benefit for each day you're hospitalized, helping cover costs your major medical plan doesn't, like deductibles and daily living expenses.
- Daily or per-stay cash benefits
- Helps cover high hospital deductibles
- Benefit paid regardless of actual hospital bill
Get a Supplemental Insurance Quote
Frequently Asked Questions
How is supplemental insurance different from my health plan?+
Supplemental insurance pays a fixed cash benefit directly to you when a covered event happens, in addition to your regular health insurance. It's designed to offset out-of-pocket costs like deductibles, copays, and lost income — not to replace major medical coverage.
Can I have more than one type of supplemental plan?+
Yes. Many clients combine accident, critical illness, and hospital indemnity coverage for broader protection against unexpected out-of-pocket costs.
Do I need supplemental insurance if I already have a Marketplace or group plan?+
It depends on your plan's deductible and out-of-pocket maximum. If you have a high-deductible plan, supplemental coverage can help cushion the financial impact of an unexpected accident or diagnosis.
Ready to find the right plan?
Talk to a licensed Utah agent — no cost, no pressure, no obligation.