The demand for more benefits and more benefit choices in Tennessee has increased drastically over the last few years. Supplemental insurance policies satisfy that demand by offering flexible products ranging from dental insurance to travel insurance at affordable prices. Please note that supplemental insurance is designed to augment existing coverage and IS NOT a substitute for traditional insurance.
Dental Insurance
Dental care can be as simple as a cleaning and x-rays, or it can involve costly services ranging from braces to crowns and oral surgery. Dental insurance can be an affordable way to not only manage the costs of regular checkups and cleanings, but also to protect against more costly treatments that we all fear so much. Dental insurance is the most requested type of supplemental insurance.
Vision Insurance
As our bodies age our eyes develop needs beyond a typical vision exam or eyeglasses. The leading causes of vision impairment and blindness in the United States are all age or disease related.
Cancer Insurance
Everyone knows someone whose life has been affected by cancer. According to the American Cancer Society, nearly 1 out of 3 people in Tennessee will have some form of cancer in their lifetime.
Specified Disease Insurance
Specified disease insurance, also known as dread disease or critical illness insurance, is medical insurance that pays benefits when the insured person is diagnosed with a specific illness or condition named in the policy. Like most supplemental plans, benefits are paid directly to the insured, allowing the freedom to spend the proceeds as needed.
Accident Insurance
While any accidental injury is going to be covered under a major medical health insurance policy, many families will find themselves paying out-of-pocket costs because rising health insurance premiums have forced them to raise their deductible or even strip away copays. Because accident policies pay directly to the insured, they offer first dollar coverage for accidental injuries, offering families to seek the care the need without the worry of unexpected costs.
Hospital Indemnity Insurance
Also known as hospital income and hospital confinement plans, hospital indemnity plans offer immediate benefits for covered hospital stays due to accident and illness. Unlike health insurance plans, which pay to the hospital, this type of plan pays directly to the insured.
Intensive Care Insurance
Time spent in a hospital’s intensive care unit will be much more expensive than time spent in a private room. Intensive care insurance pays a benefit for each day spent in an intensive care unit.
Travel Insurance
Whether you’re planning a trip inside Tennessee or outside, there’s always something exciting about traveling. But excitement can quickly turn to frustration when the unexpected occurs. Travel insurance protects against financial costs resulting from crises such as the cancellation of a big trip, lost luggage, and emergency medical attention.