Insurance That Goes Beyond Major Medical.

Major medical and Medicare cover the medical bill. They don't cover lost income, the 20% Part B coinsurance with no cap, the cancer-treatment travel costs, or the household running while you can't work. We cover the gaps — cancer, critical illness, disability income, hospital indemnity — alongside the primary lines they layer on top of.

✅ All 50 states ✅ Cancer • Disability • Critical illness ✅ Layers on top of any primary plan ✅ Free comparison
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What major medical and Medicare don't cover

A serious diagnosis or extended disability creates expenses that primary medical insurance was never designed to handle. Supplemental products fill those gaps.

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Cancer Insurance

Lump-sum benefit on diagnosis ($10K–$100K). Use for treatment travel, in-home care, lost spouse income, off-formulary drugs. Tax-free.

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Disability Income

Short-term replaces 60–70% of income for 3–6 months. Long-term continues to age 65 or beyond. "Own-occupation" definition matters most.

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Critical Illness

Broader trigger than cancer-only — heart attack, stroke, organ failure, kidney failure. One lump-sum payout per covered event.

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Medicare Plans

Medigap, Medicare Advantage, Part D, SNPs. The right primary Medicare coverage to layer supplemental products on top of.

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Health Insurance

ACA marketplace, short-term medical, self-employed plans — for under-65 households.

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Life Insurance

Term, whole, IUL, final expense. Pure income replacement layered with permanent coverage where appropriate.

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Why supplemental and multi-line specialists matter

Most insurance sites are organized around primary coverage — Medicare, ACA, life. They quote you one product and stop. The reality is that a serious diagnosis or extended disability creates 5-figure non-medical costs primary insurance never touches.

Original Medicare alone exposes you to unlimited 20% coinsurance. Adding Medigap caps that. Adding a cancer policy on top covers the costs Medicare never sees — in-home care, travel to specialty centers, off-formulary specialty drugs, the spouse who can't work because they're caregiving.

Self-employed without employer LTD have no income protection during a long illness. Workers' comp covers on-the-job injuries; private long-term disability covers the rest. Without it, a 6-month back surgery recovery means burning savings or borrowing.

We design the layered plan: primary medical / Medicare + supplemental products that close specific gaps. You pay the same premium whether you enroll through us or directly — agents are paid by the carrier, never by you.

In-depth resources

📘 Medicare Plans Guide
Medigap, Advantage, Part D, SNPs + 50 state pages 🏥 Health Insurance Guide
ACA, short-term, self-employed 🛡️ Life Insurance Guide
Term, whole, IUL, final expense 🎗️ Cancer Insurance Guide
Lump-sum + critical illness ♿ Disability Insurance Guide
Short/long-term + own-occupation ⚖️ Medicare Advantage vs Medigap
Side-by-side comparison

Supplemental & Multi-Line FAQ

Who actually needs cancer or critical illness insurance?+
Strongest fit: high-deductible health plans (Bronze ACA, HSA-eligible HDHP); Original Medicare without Medigap; family history of cancer or heart disease; limited liquid savings; self-employed without paid sick leave. Weakest fit: low-deductible employer plan with rich PTO and 6+ months of liquid savings. Lump-sum cancer policies ($25K-$50K) are often the highest-leverage supplemental product because cancer treatment generates so many non-medical costs.
What's the difference between cancer insurance and critical illness insurance?+
Cancer-only policies pay a lump sum on diagnosis of a covered cancer (typically all internal cancers; some exclude basal/squamous skin cancer). Critical illness policies have a broader trigger list — cancer plus heart attack, stroke, organ failure, kidney failure, paralysis, and others. Critical illness costs more per dollar of benefit but covers more events. If your family history includes both heart disease and cancer, critical illness is usually the better single product.
Why does "own occupation" disability matter so much?+
"Own occupation" pays disability benefits if you can't perform YOUR specific job, even if you could work in another. "Any occupation" pays only if you can't work at all. Critical for surgeons, dentists, attorneys, software engineers, surgeons, anyone whose income depends on a specific skill set. A surgeon with a hand injury who could theoretically take a desk job collects under own-occ but not under any-occ. The price difference is meaningful but usually worth it for high-skill professionals.
I'm self-employed — what disability options do I have?+
If you're 1099 and don't have employer LTD, you have NO income protection during a long illness or injury. Workers' comp covers only on-the-job; private long-term disability covers everything else. Individual disability income (DI) policies replace 60-70% of net earnings, with benefit periods to age 65 typical. Self-employed should also look at business overhead expense (BOE) coverage, which keeps the business running while you're disabled.
Can I add cancer insurance to Medicare?+
Yes, and it often makes sense. Original Medicare + Medigap Plan G covers most medical costs, but cancer treatment creates 5-figure non-medical costs Medigap doesn't see — travel to specialty cancer centers (MD Anderson, Memorial Sloan-Kettering), lodging during extended treatment, in-home care, off-formulary specialty drugs not in your Part D plan. A $25K-$50K cancer lump-sum policy on diagnosis fills that gap. Premiums for ages 65-75 are typically $30-$60/mo for $25K coverage.
What's hospital indemnity insurance and when does it pay off?+
Hospital indemnity pays a fixed dollar amount per inpatient day ($100-$500/day typical) regardless of medical billing. Best fit: HDHP enrollees with high deductibles ($7K+); seniors on Medicare Advantage with high inpatient copays; anyone with limited liquid savings. Worst fit: enrollees on rich low-deductible plans where inpatient out-of-pocket is already capped low. Compare expected annual benefit (days × payment) against annual premium — if break-even requires more than 5 days inpatient per year, it's usually not worth it.
Are these quotes really free?+
Yes. Plan comparisons and consultations are free. Agents are paid by the carrier when you enroll. Your monthly premium is identical whether you enroll through us or directly with the carrier.

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