Supplemental Health & Life Insurance Policies
Cash to help pay expenses not covered by your primary health insurance. Policies start at around $5/month.†
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Why choose supplemental insurance?
Your primary health insurance may not cover all expenses
Supplemental insurance policies can help you pay for out-of-pocket medical expenses such as copays and deductibles when a serious illness or accident happens.
Household expenses don’t stop for an accident or illness
Supplemental policies pay benefits directly to you, unless otherwise assigned, to help with everyday expenses such as utility bills, groceries, and childcare.
More cost-effective than you may think
For a monthly premium of around $1 per day in most cases, these policies can help provide peace of mind when the unexpected occurs.
What types of supplemental health insurance do we offer?
Lump Sum Heart Attack and Stroke Insurance
Cost: around $19/month†
Covers qualifying events such as heart attack, stroke, or other heart-related surgery
Up to $75,000 cash benefit* to help pay out-of-pocket medical or household expenses1
Available to ages 18-99
Lump Sum Cancer Insurance
Cost: around $19/month†
Cash benefit can help cover expenses after a cancer diagnosis
Use the cash to help pay out-of-pocket medical or even household1 expenses
Available to ages 18-99 (including dependents)
Cancer Treatment Insurance
Cost: around $18/month†
Cash benefit to help cover expenses due to cancer treatment
Use the cash to help pay for treatments, care, and other associated costs1
Available to ages 18-99
Hospital Indemnity Insurance
Cost: around $5/month†
Pays a fixed benefit dollar amount following a covered hospitalization
Use the cash to help pay out-of-pocket medical or household expenses
Available to ages 18-89
Whole Life Insurance
Cost: around $28/month†
Helps pay for final expenses due to accidental death or illness
Cash benefit to be used on your behalf
Guaranteed premiums that will not increase2
Available to ages 50-85
When can you buy Supplemental Insurance?
- When the health coverage you get through an employer doesn't include supplemental insurance options—you can buy your own.
- When you have to buy health coverage on your own and want to add a supplemental policy.
- If you have a Medicare Supplement plan and want to add a supplemental policy.
- You can buy supplemental insurance policies at any time of the year. Shop our policies online, anytime.
Often bought together
State Policy Disclosures, Exclusions, Limitations, and Reductions
Premium estimates based on the following criteria:
Lump Sum Heart Attack and Stroke Insurance premium based on the individual rate for a 40-year-old in Alabama with a $20,000 benefit amount. Individual rates will vary based on your state, age at time of issue, coverage type and the benefit amount you select. Rates are subject to change.*
Lump Sum Cancer Insurance premium based on the individual rate for a 40-year-old in Alabama with a $20,000 benefit amount. Individual rates will vary based on your state, age at time of issue, coverage type and the benefit amount you select. Rates are subject to change.*
Cancer Treatment Insurance premium based on the individual rate for a person in Alabama, between the ages of 40-44, with a $500/day hospitalization benefit (5 units of coverage). Individual rates will vary based on your state, age at time of issue, coverage type and the benefit option you select. Rates are subject to change.*
Hospital Indemnity premium based on the individual rate for applicants between the ages of 18-42 selecting the Core plan option and a 3-day, $100 hospital confinement benefit in all states except NH and ID. Premium does not include additional riders. Individual rates will vary based on your state, age at time of issue, coverage type, and the benefit amount you select. Rates are subject to change.*
Whole Life Insurance premium based on the Level Benefit Plan individual rate for a female non-tobacco user in Alabama, age 55, with a $10,000 benefit amount. Individual rates will vary based on your state, age at time of issue, sex, tobacco status and the benefit amount you select. Rates are subject to change.* Unisex rates apply to Montana only.
† Rates are illustrative only. Please do not submit money. You must first obtain an application to obtain any coverage.
1 Benefits received in excess of medical expenses may be considered taxable income. Consult with your tax advisor.
2 Your policy cannot be terminated for any reason other than non-payment of premium or material misrepresentation in the application for insurance.
* Benefit amounts, issue ages and rates vary by state; please contact your broker or HealthSpring representative for details.
Hospital Indemnity Insurance:
IMPORTANT: This is a fixed indemnity policy, NOT health insurance. This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care. The payment you get isn’t based on the size of your medical bill. There might be a limit on how much this policy will pay each year. This policy isn’t a substitute for comprehensive health insurance. Since this policy isn’t health insurance, it doesn’t have to include most federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance? Visit HealthCare.gov or call 800.318.2596 (TTY: 855.889.4325) to find health coverage options. To find out if you can get health insurance through your job or a family member’s job contact the employer.
Questions about this policy? For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.” If you have this policy through your job or a family member’s job, contact the employer.
The Lump Sum Heart Attack and Stroke policy is not available in ID, NM, NY or VA.
The Lump Sum Cancer policy is not available in ID, NM, NY or VA.
The Cancer Treatment policy is not available in ID, MA, MN, NH, NJ, NM, NY, UT or WY.
The Hospital Indemnity policy is not available in MA, MT, NJ, NM or NY.
The Whole Life policy is not available in FL or NY.