Supplemental
Supplemental accident, critical illness, and hospital indemnity
These policies pay a cash benefit for a listed event. They are not major medical insurance, and they are not Medicare. The consultation is free.
Licensed in Florida – License #G100342 (Life, Health & Variable Contracts). Verify license. Hablo español.
Why people call
Three different contracts
Accident, critical illness, and hospital indemnity pay for different events. We do not treat them as one plan.
Not a health plan
They do not replace Marketplace coverage, a private major medical plan, or Medicare. They sit beside coverage you already have, if you want them.
No benefit amounts on this page
The dollar schedule is in the policy. We read it with you. We do not print sample payouts here.
What each one is for
An accident policy pays according to a schedule if you are hurt in an accident the contract covers. A critical illness policy pays a lump sum if you are diagnosed with a listed illness, such as a heart attack, stroke, or cancer, using the policy’s definitions. A hospital indemnity policy pays a set amount for a covered hospital stay. None of them pay your doctors the way a health plan does.
Pre-existing condition limits and waiting periods are common. Some illnesses that started before the policy are not covered for a time. We point at that limit. We also point at exclusions, which can include injuries while intoxicated or certain activities.
If you need a health plan, start with the Marketplace page or the private health page. If you have Medicare, use the Medicare page for Medicare. Call or text (321) 429-1182 if you want a supplemental quote after that.
A consultation with this office is free. Nothing on this page is a binder of coverage.
Questions people ask
Will this replace my health insurance?
No. A supplemental policy pays you, or pays a set amount, for a listed event. It does not build a doctor network or cover ordinary medical bills. Keep major medical or Medicare in place.
What is the difference between the three?
Accident coverage follows an injury from an accident. Critical illness follows a diagnosis named in the policy. Hospital indemnity follows a hospital admission or a day in the hospital, as the contract defines it. You can ask about one of them without buying all three.
Does critical illness cover every cancer or heart problem?
Only the conditions and the severity the policy lists. Early-stage illness is sometimes paid at a smaller percentage or not at all. We read the definitions. We will not say “cancer” is covered without the contract in front of us.
Are there waiting periods?
Often yes, especially for illness. An accident benefit may start sooner than a critical illness benefit. If you already have symptoms, tell us before you apply. A policy bought after a diagnosis may not pay that claim.
Can I have this with Medicare?
A supplemental policy is not a Medicare plan and it does not change your Medicare. Some people own one beside Medicare. We will not describe it as a Medicare benefit, and we will not tell you to drop Medicare to buy it.
How do I get paid?
After a covered event, you file a claim with the proof the carrier asks for. The payment follows the schedule. It may not match the hospital bill. We will not promise the claim pays the invoice.
Do you list payout amounts?
Not on this page. Benefit amounts are chosen on the quote and printed in the policy. Publishing a sample would not be your policy.
Is the consultation free?
Yes. There is no fee to review accident, critical illness, or hospital indemnity options. You do not have to buy one.
Ready to talk it through?
Call, text, or send the short form. We answer during Monday–Friday, 9:00 AM–6:00 PM; Saturday, 10:00 AM–2:00 PM; Sunday closed.