Most health plans don't cover all your costs. You still have your copays and deductible — not to mention any lost income or daily expenses that pile up when you're sick or hurt. That's where supplemental insurance comes in.
Even with good health insurance, a serious illness or injury can leave you with bills your plan won't touch — and income you can't replace.
| When You Get Hurt or Sick... | Standard Health Insurance | + Supplemental Insurance |
|---|---|---|
| Hospital stay costs (room, nursing, tests) | Partial — after deductible & copays | ✓ Cash benefit paid directly to you |
| Income lost while you recover | ✗ Not covered | ✓ Short-term disability pays your bills |
| Transportation to/from treatment | ✗ Not covered | ✓ Accident/cancer plan includes this |
| Childcare during your recovery | ✗ Not covered | ✓ Benefits paid to you, use however needed |
| Cancer-specific treatments & costs | ~ Partially | ✓ Cancer policy fills remaining gaps |
| Deductibles & out-of-pocket | ~ Copays remain | ✓ Benefits deposited directly to you |
| Your mortgage/rent while hospitalized | ✗ Not covered | ✓ You decide how to use your cash benefits |
Coverage details vary by policy. Contact us for a personalized review of your situation.
Simple in concept, powerful in practice. Your benefits are paid directly to you — not your doctor, not your hospital.
You're diagnosed with cancer, involved in an accident, hospitalized, or another covered event occurs.
Submit documentation of the event. Aflac processes claims fast — often within days, not weeks.
Your benefit is deposited directly to your bank account. No involvement from your doctor or hospital.
Pay your rent, mortgage, groceries, gas, childcare — whatever helps your family stay stable while you recover.
These aren't hypotheticals. They're the kinds of calls Lisa and Sean receive from families who wish they'd planned ahead.
Maria, 38, a teacher, slipped on a hiking trail and broke her hip. Her health insurance covered the surgery — but her 6-week recovery meant no paycheck. Her mortgage, car payment, and family expenses didn't pause.
David, 51, a contractor, was diagnosed with colon cancer. Treatment meant months of reduced work capacity. His health insurance handled the medical bills — but the gas for 40 treatment drives, the lost jobs, the supplements, the fatigue? Those came out of savings.
Kevin, 46, had a heart attack while coaching his son's soccer team. He survived — but his 3-month cardiac rehab meant he couldn't work. His family had savings, but not three months' worth for a family of four.
Jessica, 29, and her husband just had their first baby. They have health insurance through his employer — but the deductible is $4,000. One ER visit with their infant wiped out their emergency fund.
These stories are illustrative examples. Individual coverage, benefits, and outcomes vary by policy. Ask us what's right for your situation.
Talk to Sean or LisaEvery policy is explained in plain English before you sign anything. Here's a quick overview of what we offer.
Pays benefits for injuries from covered accidents — ER visits, fractures, dislocations, burns, and more. Ideal for active families.
Learn more →Provides cash benefits upon cancer diagnosis and throughout treatment — covering costs your health plan won't touch.
Learn more →Lump-sum benefit paid upon diagnosis of heart attack, stroke, kidney failure, and other major illnesses. Use it any way you need.
Learn more →Daily/weekly cash benefits for each day you're hospitalized. Helps offset deductibles, copays, and the income you're not earning.
Learn more →Replaces a portion of your income when illness or injury prevents you from working. Your bills don't stop — your benefits don't either.
Learn more →Affordable standalone plans to cover what most health insurance skips. Preventive care, glasses, contacts, and more.
Learn more →You might benefit from supplemental coverage if you answer yes to any of these:
If you checked even one box, a conversation with Lisa or Sean costs nothing and could save you thousands.
Our first conversation is about understanding your situation. If supplemental insurance makes sense for you, we'll explain exactly why. If it doesn't, we'll tell you that too.
Honest answers about how supplemental insurance works.
A 20-minute conversation with Lisa or Sean will show you exactly where your coverage has gaps — and what it would cost to fill them.