Frequently Asked Questions…
- What is supplemental insurance?
- Which plans are available?
- Do premiums go up with age or after a claim?
- Can I use this with my current health insurance?
- Who receives the benefit payments?
- Is there a Return of Premium feature?
- Can I keep my coverage if I change jobs or move?
- Are there waiting periods or exclusions?
- Is this major medical insurance?
- Can I cover my family?
- How do I file a claim?
- Are benefits taxable?
Cash benefits paid directly to you (unless you ask otherwise) that help cover costs your health insurance doesn’t—like deductibles, travel, lost income, and everyday bills.
Hospital Indemnity (IndemniCare), Accident (InjurCare Plus), Cancer (CancerCare Plus), Heart & Stroke (CardiaCare Plus), and Child Whole Life.
No. Premiums don’t increase with age, and claims don’t cause rate hikes.
Yes. These benefits are paid in addition to any other coverage you have.
You do—directly—unless you tell us to pay a provider.
Yes. Many policies include a Return of Premium benefit (premiums returned, less any claims paid) according to the policy terms. Exact details are in your policy.
Yes. Coverage is portable as long as premiums are paid.
Some benefits may have waiting periods, pre-existing condition limits, or other exclusions. See the policy for complete details.
No. It’s supplemental coverage designed to help with out-of-pocket costs.
Yes. Options are available for spouses and children.
Submit a simple claim form and supporting documents (e.g., EOB, bills). Benefits can be sent by direct deposit.
Generally, if you pay premiums with after-tax dollars, benefits may be tax-free. Please consult your tax advisor.