Health Insurance for the Quad Cities
What is Supplemental Insurance?
Health insurance pays for your doctors, hospital stays, and procedures . . . but who pays you? Supplemental insurance does!
Supplemental policies send a check directly to you (not your doctors) when you have an accident, an illness, or a critical condition. The payments are meant to help you get back on your feet and take care of expenses around the home while you are recovering. These policies pay you for events such as going to the emergency room, going to an urgent care clinic, getting an MRI or CT Scan, getting physical therapy, outpatient surgery, and much more.
The money is tax-free and you can use it to cover the deductibles from your health insurance, to cover bills, to shop for groceries, or for any purpose you choose.
Supplemental policies start at less than $16 a month and they are a great way to cover the gaps in your health insurance or Medicare plan.
Accidental Injury Plans
Great coverage for kids in sports and active adults.
Accidental Injury insurance pays you cash directly when you incur medical expenses due to an accident. Accidents include things such as breaking a bone, requiring stiches, or a slip and fall, but they can also include things like a bee sting or an allergic reaction. If you need treatment because of anything that is accidental in nature, this policy would cut you a check.
Accidental Injury insurance pays you a pre-agreed lump sum when you do things like visiting the Emergency Room, going to an Urgent Care clinic, requiring an MRI or other imaging, requiring follow up treatment, and much more. The money you get can help you to cover any deductibles or out-of-pocket expenses you may have to pay according to your health insurance plan.
Accidental Injury plans start as low as $15.46 per month for $10,000 in coverage. See the table to the right for coverage options and their associated rates.
Hospital Indemnity Plans
Great for older adults and makes an excellent add-on to Medicare Advantage.
Hospital Indemnity Insurance is similar to Accidental Injury insurance in that it covers expenses due to accidental injury, but in addition to that, it also covers expenses that are due to illness. Illness would be considered things like the flu, the corona virus, a kidney stone, or needing to get your appendix taken out. While these things would not be covered under an accidental injury policy, they would be covered by a Hospital Indemnity policy.
Hospital Indemnity Insurance pays a pre-specified amount per day that you are in the hospital. It pays for 3, 6, 10, or 21 days depending upon how you set up your policy. These policies also offer "riders" you can choose that would pay you cash for things like taking an ambulance ride or having outpatient surgery.
Hospital Indemnity Insurance makes a great addition to Medicare Advantage, as the largest cost shares on a Medicare Advantage plan are typically inpatient hospital stays.
Critical Illness Plans
Protection for the worst case scenario
A Critical Illness Policy acts a lot like life insurance, but instead of death triggering the payout, you would get the payout while you are still alive.
Critical Illness policies can pay you up to $100,000 in tax-free money on the first diagnosis of cancer, heart attack, stroke, or any other qualifying critical illnesses. And with a "recurring rider," you can get another $50,000 tax-free payout if there is a second occurrence of the critical illness.
The money is paid directly to you to help you cover the added cost of living with the critical illness.
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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Rates are reviewed periodically and are subject to change in your state.
Cost Estimates are based on the information entered on Get Started, using data about past experiences by beneficiaries with similar attributes and the premiums and benefits provided by the plan. Actual costs may vary. Monthly medical costs are represented by annual figures divided evenly per month.
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Medicare Supplement Plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.
Preference Score based on the answers provided within "Other Preferences" page in Guided Help.
For plans that provide drug coverage, the formulary may change during the year.