Cash That Covers What Your Health Plan Doesn't
Even a great ACA plan pays the hospital — not you. When a condition flares, surgery happens, or you're hospitalized, your bills don't pause. Supplemental layers (critical illness, hospital indemnity, accident) pay a lump sum directly to you — for rent, groceries, lost income, or the deductible you can't quite cover. For adults with pre-existing conditions on a high-deductible plan, this is the layer that turns a bad year into a manageable one.
The four supplemental types we help you compare
Critical illness
Pays a lump sum ($10,000–$100,000) on first diagnosis of cancer, heart attack, stroke, organ failure, and other covered events. You decide how to spend it.
Hospital indemnity
Pays a fixed daily benefit ($100–$500/day) for every day of admission. Higher for ICU. Designed to offset deductibles and copays for unplanned hospitalizations.
Accident insurance
Pays cash for ER visits, fractures, ambulance, follow-up therapy. Useful for active adults and households with kids in sports.
Short-term disability
Replaces 60–70% of income for 3–24 months if illness or injury keeps you from working. Critical for self-employed adults with chronic conditions.
Who supplemental was built for
- ✦Anyone on a Bronze or HDHP plan with a $3,000+ deductible
- ✦Self-employed or 1099 adults without paid sick leave
- ✦Households with a single income earner
- ✦Pre-existing conditions with surprise-admission risk (cardiac, autoimmune, mental health)
- ✦Cancer survivors maintaining surveillance
- ✦Anyone whose savings would not cover three months of bills
Realistic bundle cost
| Accident coverage | $15–$32 / mo |
| Critical illness ($25K benefit) | $24–$48 / mo |
| Hospital indemnity ($200/day) | $28–$62 / mo |
| Typical 3-layer bundle | ≈$70–$120 / mo |
Ready to see your options, read out loud?
Tell us your specialists and prescriptions; we'll reply with plans that actually cover them — usually inside the day.