Supplemental Insurance Made Simple
Extra Protection for Life’s Unexpected Moments
Even the best health insurance plans can leave gaps in coverage. That’s where supplemental insurance comes in. At Skyview Health Insurance Advisors, we help individuals and families strengthen their coverage with affordable, flexible supplemental insurance plans designed to reduce out-of-pocket expenses when the unexpected happens.
What Is Supplemental Insurance?
Supplemental insurance includes a range of policies that
help cover costs not paid by your primary health plan — like copays, deductibles, and other non-medical expenses. These plans
pay benefits directly to you, giving you greater control over how to use the funds.
Types of Supplemental Insurance We Offer:
Accident Insurance
Covers out-of-pocket expenses related to injuries from accidents — including ER visits, x-rays, surgeries, and follow-up care.
Critical Illness Insurance
Provides a lump-sum payment if you are diagnosed with a serious condition like cancer, heart attack, or stroke. Use the benefit for medical bills, travel, or even lost income.
Hospital Indemnity Insurance
Pays you a fixed amount per day for hospital stays, helping cover deductibles, coinsurance, or other bills.
Cancer Insurance
Offers additional protection specifically for cancer-related care, which can be financially overwhelming even with regular health insurance.
Dental, Vision & Hearing
These plans help pay for routine and major services that aren't typically covered by traditional health insurance or Medicare.
Short-Term Disability Insurance
Replaces a portion of your income if you become temporarily unable to work due to illness or injury.
Why Add Supplemental Coverage?
- Fill gaps in your primary health plan
- Access cash benefits directly — use them however you need
- Protect your savings from unexpected medical expenses
- Peace of mind for you and your family
Let’s Find the Right Coverage for You
At Skyview Health Insurance Advisors, we work with
multiple top-rated insurance carriers to offer supplemental plans tailored to your lifestyle, health risks, and budget. Whether you're an individual, a family, or self-employed, we’re here to help you protect what matters most.
Schedule a Free Consultation Today
Frequently Asked Questions:
What is supplemental coverage?
Health supplemental insurance (often called supplemental health insurance) is extra coverage you can buy in addition to your primary health insurance plan.
Its purpose is to help cover costs or services not fully paid for by regular health insurance, or to provide financial support when you experience specific health-related events.
What it Helps Cover:
- Out-of-pocket costs: Helps pay for copays, deductibles, and coinsurance.
- Cash benefits: Some plans pay you a lump sum or daily benefit if you’re hospitalized or diagnosed with certain conditions.
What are some examples of Supplemental Plans?
- Specialized coverage can focus on specific risks like:
- Critical illness insurance (for cancer, stroke, heart attack, etc.)
- Hospital indemnity insurance (daily or lump-sum payments during hospital stays)
- Accident insurance (coverage for injuries and emergency treatment)
- Disability insurance (income replacement if you can’t work due to illness or injury)
- Dental, vision, or hearing plans (not usually included in standard health insurance)
Why do people get supplemental plans?
- To reduce the financial burden of unexpected health events.
- To get help covering services standard insurance excludes.
- For peace of mind if they have higher medical risks or limited savings.
Example:
If you’re hospitalized for surgery:
- Your primary health insurance pays most of the hospital bill.
- You still owe your deductible, coinsurance, and possibly lost wages while recovering.
- Supplemental hospital or critical illness insurance could pay you cash benefits to cover those extra costs.
It doesn’t replace your main health insurance, but rather fills in the gaps.
Contact Skyview Health Insurance Advisors
Skyview Health Insurance Advisors
🌐 Website: www.skyviewhealth.com
📍 Serving clients in Colorado, California, Alabama, Arizona, Florida, Idaho, Michigan, Nebraska, Nevada, New Mexico, Ohio, Oregon, South Carolina, South Dakota, Texas, Utah, Washington and Wyoming.
