Supplemental Insurance

Supplemental insurance is a companion form of health insurance coverage that is designed to work in concert with your current traditional insurance policy. It can be very helpful to those who are worried that their healthcare costs might one day exceed their current level of coverage protection.

Supplementary insurance plans can be purchased by private individuals who wish to protect themselves from additional medical costs, such as co-payments, co-insurance and deductible payments. It is important to keep in mind, though, that supplemental insurance can be expensive when purchased on the private market as these policies are not regulated. The good news is that for those who are of low income or who are seniors, there is an alternative where supplemental health insurance can be obtained through Medicare as opposed to a private insurance company.

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Supplemental insurance will compensate one for a certain variety of extra medical costs. This is accomplished either by reimbursement or via payment directly to the medical provider. Like other health insurance choices, supplemental insurance must be obtained during the periods of open enrollment. With the idea of keeping costs contained, supplemental insurance can be mandated to work within a series of providers that are enrolled in a network.

This insurance usually takes one of two forms: There is off-market individual supplemental insurance and what is known as “on-market Medicare supplemental insurance.” There are individual coverage opt-in plans that a person can obtain if they feel as though their traditional insurance policy won’t cover enough. Medicare supplemental insurance plans are designed to fill in certain gaps in normal coverage. This would include a myriad of choices for seniors and those who are in the lower income brackets. For instance, a Medicare supplemental plan can cover the expenses and the co-payment necessary for a person’s prescription medication.

Supplemental insurance coverage will help the policyholder pay for such things as prescription medication expenses, co-payments, and deductibles, for costs arising from dental and health services and products. The level of the benefits is dependent upon the policy outline and, again, if it is a private or Medicare policy.

One can purchase a Medicare supplemental plan from one of the many healthcare exchanges and in the marketplace, while individual supplemental policies will need to be purchased via an insurance provider.

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46400 Benedict Dr Suite 107
Sterling, VA 20164

170 W Main St. Suite 107
Purcellville, VA 20132