Supplemental Coverage for Life’s Unexpected Moments

Add Extra Protection Where It Matters

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Even with a solid health insurance plan, out-of-pocket costs from a hospital stay or unexpected diagnosis can hit hard. That’s where supplemental insurance plans come in.


We help individuals and families across Connecticut add affordable, targeted coverage that pays cash benefits when you need them most — without replacing your existing plan. These policies help cover deductibles, lost income, travel for treatment, and more.

Accidents & Illnesses Can Happen Fast — But So Can Support

Quick Cash Benefits When You Need Them

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Get Paid When the Unexpected Happens

Accident insurance helps cover medical costs and living expenses after injuries from everyday mishaps — whether it’s a broken bone, ER visit, or stitches. You’ll receive cash benefits to use however you need.

  • Covers injuries from slips, falls, car accidents & more
  • Pays you directly, not just your providers
  • Use benefits for rent, bills, or medical expenses
  • Affordable monthly premiums
  • No coordination with your health insurance

Hospital Bills Don’t Have to Derail You

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Offset the High Costs of Hospital Stays

Hospital indemnity plans pay a fixed cash amount when you’re admitted to the hospital — even for observation. It’s a great way to reduce the financial hit from deductibles and overnight stays.

  • Pays a flat benefit per admission or per day
  • Can cover maternity, surgeries, or observation stays
  • Cash can be used for travel, childcare, lost wages
  • Complements your major medical plan
  • Available as individual or family coverage

Focus on Healing — Not Bills

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Support for Serious Diagnoses

Critical illness insurance pays a lump sum benefit if you’re diagnosed with a covered condition like cancer, heart attack, or stroke. It helps cover treatment costs, replace income, or simply keep your household running during recovery.

  • Lump sum payment upon diagnosis
  • Covers cancer, stroke, heart attack & more
  • Use funds however you choose
  • Helps cover lost wages, deductibles, or travel for care
  • Available to individuals, couples & families
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Got Questions About Supplemental Plans?

FAQs About Accident, Hospital & Illness Coverage

These plans aren’t meant to replace major health insurance — they’re meant to support it. Here’s what you need to know:

  • Can I have supplemental insurance if I already have health coverage?

    Absolutely — in fact, that’s when it works best. These plans provide extra cash to help with costs your primary insurance doesn’t fully cover.

  • Do these policies pay me or the hospital?

    They pay you, not your providers. You can use the money however you need: rent, co-pays, groceries, or even travel.

  • What’s covered by critical illness insurance?

    It depends on the plan, but most cover major conditions like heart attack, stroke, and cancer. Some also include kidney failure or organ transplant.

  • Are there age restrictions?

    Eligibility varies by carrier, but many plans are available for adults aged 18–65 and may include family coverage.

  • How much do these plans cost?

    Many are surprisingly affordable — premiums can be under $20/month depending on your coverage and age.

Let’s Add the Right Supplemental Coverage for You

A Little Extra Goes a Long Way