With open enrollment approaching, it’s time to talk about an important topic that often gets overlooked: supplemental health insurance. While most people think of health insurance as covering their wellness visits, doctor’s appointments, and preventive care, it’s also crucial to have protection for the unexpected – hospitalizations, surgeries, or emergencies.
Just like auto or home insurance, you hope to never use certain coverages, but you have them in place in case something serious happens. Supplemental health plans work the same way. They’re designed to fill the gaps that your primary health insurance might not cover, especially during a major medical event like an accident, heart attack, or cancer diagnosis.
Here’s why it’s worth considering:
- Supplemental plans can help offset high deductibles and out-of-pocket expenses, especially with today’s rising costs.
- These plans offer protection for unexpected events, so you’re not left scrambling to cover medical bills.
- Depending on your situation, options like cancer plans, accident plans, or hospitalization protection plans can provide extra peace of mind.
Personally, I have a cancer plan that I hope I’ll never use, but given the statistics—1 in 3 women and 1 in 2 men will be diagnosed—I feel secure knowing I’m covered.
As we head into open enrollment, let’s review your current health coverage and explore ways to protect you and your family with the right supplemental options. Schedule an appointment with me at jkappconsulting.com to make sure you’re fully prepared for 2025.
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Until next week, peace out!
