Supplemental Insurance That Keeps Your Doctor and Meds Covered
Supplemental insurance exists to protect income, not to force a change in care. Meet Med Plans checks that your doctor and your prescriptions stay covered before adding critical illness, accident, or hospital indemnity protection on top.
Types of Supplemental Insurance We Offer
Critical Illness Insurance
A critical illness policy pays you a lump-sum cash benefit upon the first diagnosis of a covered condition. Common covered illnesses include heart attack, stroke, cancer (most types), organ failure requiring transplant, end-stage renal disease, paralysis and major neurological events, and coma. You can use the cash benefit for anything — medical deductibles, home care, travel for treatment, lost income, or everyday bills. Your Meet Med Plans advisor will show you exact rates for critical illness plans available in your area.
Accident Insurance
Accident insurance pays scheduled cash benefits when you're injured in a covered accident — regardless of what your health insurance pays. Benefits are triggered by ER visits, hospital admission after an accident, fractures, dislocations, burns, concussions, internal injuries, ambulance transport, and physical therapy following injury. Accident insurance provides meaningful financial protection for surprisingly low monthly amounts. Your Meet Med Plans advisor will show you exact rates.
Hospital Indemnity Insurance
Hospital indemnity plans pay a fixed daily cash benefit for every day you're hospitalized — a fixed daily amount — plus additional benefits for ICU admission, surgery, and outpatient procedures. This benefit helps offset health insurance deductibles and out-of-pocket costs that can add up quickly during an extended hospitalization.
Cancer Insurance
Cancer insurance is a specialized critical illness product that focuses exclusively on cancer diagnosis, treatment, and recovery. Benefits can include lump-sum diagnosis benefits, chemotherapy and radiation benefits, transportation and lodging reimbursements for treatment, and recovery care support. Given that 1 in 2 men and 1 in 3 women will receive a cancer diagnosis in their lifetime, many families consider this a smart, low-cost layer of protection.
Short-Term Disability Insurance
If illness or injury prevents you from working, short-term disability insurance replaces a portion of your income — typically 60–70% — during the recovery period. Benefit periods range from 90 days to 2 years. For self-employed individuals and those without employer disability coverage, this is an essential protection that most Americans overlook until it's too late.
Who Needs Supplemental Insurance?
- Individuals with high-deductible health plans (HDHPs) facing high deductibles
- Self-employed individuals without paid sick leave or disability benefits
- Families with one primary income earner
- Anyone with a personal or family history of heart disease, cancer, or stroke
- People with physically demanding occupations (construction, healthcare, manufacturing)
- Anyone who could not cover 3–6 months of living expenses from savings alone
What to Know About Supplemental Plan Rates
Most supplemental plans are surprisingly manageable — especially compared to the financial risk they protect against. Your Meet Med Plans advisor will show you exact rates for every plan available in your area.
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