Supplemental health plans

Strengthen your benefits package by offering employees added financial protection

Supplemental health plans are designed to give employees more security and greater satisfaction — without reducing their benefits or shifting more cost to them.1

The plans can help support any health plan strategy and offer simple plan designs. Payouts for the plans are paid in a lump sum directly to employees, with no restrictions on how the money is spent.

In addition to giving employees increased financial security and protection, supplemental health plans can play a part in:

  • Improving employee satisfaction.
  • Boosting employee productivity.
  • Increasing Consumer-Driven Health Plan (CDHP) enrollment.

Accident Protection

Pays a cash benefit for covered injuries.

Critical Illness Protection

Pays a cash benefit if diagnosed with a covered condition.

Hospital Indemnity Protection

Pays a cash benefit after a covered hospital stay and related expenses.


  1. These plans do not meet the definition of minimum essential coverage and therefore should not be used as a substitute for major health insurance.