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Live Stress Free: The Best Supplemental Health Insurance

By Ashley Lipman

One of the biggest misconceptions about health insurance is that it covers everything. In fact, most traditional health insurance plans have large gaps in coverage that individuals and families need to make up themselves with their own health savings. This is especially true for “extras” like dental, vision, and travel insurance which aren’t included under traditional coverage.

With all of this being said, how can you make sure you’re fully covered when it comes to your health? Health insurance is stressful enough without worrying about any extras. Here are the best supplemental health insurance options to consider for your own lifestyle.

health insurance

What Supplemental Health Insurance Do You Need?

First, let’s take a look at what types of supplemental health insurance will matter to you specifically. Most people know they need traditional health insurance to cover doctor’s visits, emergency room visits, and preventative care, but what about everything else?

Like most things when it comes to health insurance, what you’ll need in particular will depend on your lifestyle. Start by realizing that health insurance doesn’t cover everything. You’ll usually be responsible for at least 20% of the total cost of treatment, but this is only limited to approved treatments considered necessary. Many services and treatments aren’t considered necessary, especially once you’re over the age of 17.

Consider these factors when deciding if supplemental health insurance is right for you:

  • Current coverage - What’s covered under your current health insurance plan? You don’t want to pay extra for coverage you already have.
  • Dependents - Do you have any kids or dependents that might be in need of extra care. For instance, it might be worth investing in dental insurance if your kids will need orthodontic care or other “extras.”
  • Risk - Finally, what are your risks? Certain types of supplemental insurance can cover the cost of disability or chronic illness. If you’re in a high-risk position for one of these things, the extra cost is likely worth the peace of mind.
health insurance

Types of Supplemental Insurance

Now, let’s dive into the different types of supplemental insurance so you can find the best plan for your needs. You likely already are familiar with many of these types of plans, but some might surprise you.

  • Dental Insurance
    Of course, the most well-known plan is dental insurance. Most people need a way to access more affordable dental care, and a dental plan makes that possible. While most traditional health insurance covers dental benefits for children, this stops once you reach adulthood. Dental plans cover preventative treatment and offer significant discounts for in-network treatment for anything from cavities to braces.
  • Vision Insurance
    Similarly, vision insurance isn’t covered for adults under traditional health insurance. Vision insurance is essential, however, since the price for eye exams, eyewear, and more advanced treatments is only rising. The small cost of vision insurance is often worth the added discounts.
  • Travel Insurance
    Did you know your traditional coverage likely doesn’t work abroad or even outside of your home state? Not only will you be at a loss for finding in-network providers, but you might end up with limited coverage (if any). Travel insurance might sound like an unnecessary expense, but it could be a big stress reliever if you’re traveling somewhere new.
  • Disability Insurance
    What do you do if you suddenly find yourself disabled and unable to work? While we all like to think this would never happen to us, it does happen to people all of the time. Protecting yourself with a disability insurance plan makes sure that if you find yourself unable to work, you’re covered.
  • Critical Illness Insurance
    Every day we hear about the expense of chronic and critical illness. How do you protect yourself? The best way is with critical illness insurance. While some cover a variety of critical illnesses, others are specifically for certain illnesses like cancer.

Avoid Gaps in Health Insurance Coverage

You can’t afford to overlook anything when it comes to your health insurance. Your health insurance plan might do its job for the normal stuff, but what about the unexpected “extras” that pop up from time to time?

It’s up to you to review your current health coverage today to see if you’re in need of a supplemental plan. If you are, it’s time to invest in one of these above.

Ashley Lipman is an award-winning writer who discovered her passion in providing creative solutions for building brands online. Since her first high school award in Creative Writing, she continues to deliver awesome content through various niches.

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