Professional Insurance Services, Inc.


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Supplemental Health Plans

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Supplemental Health Insurance plans and Ancillary Health Insurance plans that are guarantee issue or have limited underwriting  can be used in conjunction with a high deductible major medical health insurance plan, Limited Benefit Health Insurance plan and Fixed Indemnity Health Insurance plan in order  to supplement what the primary Health Insurance plans will not cover. 

Supplemental or Ancillary Health Insurance plans can consist of

  • Accident Health Insurance policies (pays for the treatment of accidents only)
  • Cancer Health Insurance policies (pays for the treatment of cancer only)
  • Cash Indemnity Health Insurance policies (pays cash to the insured to pay for whatever they want to use the money for, hospital bills, medical bills, physicians bills, house payments, groceries, light and water bills etc.)
  • Critical Illness Health insurance policies (pays for the treatment of many different specific dread diseases such as Heart Attack, Cancer, Stroke, etc.)
  • Dental-Vision-Hearing Health Insurance policies (which can help with the treatment of these specific conditions)

Supplemental Health Insurance plans and Ancillary Health Insurance plans can help offset medical care expenses that are not covered by the primary health insurance plan.  Most Supplemental Health Insurance plans and Ancillary Health Insurance plans pay cash to the insured or they may be assigned to pay a provider of health care, and they pay in addition to any other health insurance you may have without coordinating benefits. 

Supplemental Health Insurance plans and Ancillary Health Insurance plans usually have stable rates, meaning that rates do not go up like major medical rates since they pay a "fixed or set" amount for medical care rather than a percentage of the cost of care. 

When a health insurance plan pays based on a percentage of the charge and the providers of health care (physicians, hospitals and pharmacies, etc.) increase what they charge, the health Insurance plans, that pay based on a percentage of those providers' charges, will have a change in rates in order to accommodate the new higher charge by a provider. 

In addition, Supplemental Health Insurance plans and Ancillary Health insurance plan rates are fixed, based on the age at the time of purchase rather than the increased risk as one ages.  Major Medical Health Insurance rates are based on increased risk of needing medical care as you age as well as a percentage of what the providers increased charges might be.  As a result, Major Medical Health Insurance rates are continually increasing as provider's charges increase and the insured's age and subsequent risk of needing more and more medical care increases.

Advantage of a High Deductible Health Insurance Plan Combined With Supplement Plans

  • Supplemental Health Insurance and Ancillary Health Insurance premiums are inexpensive and very affordable
  • Supplemental Health Insurance plans and Ancillary Health Insurance plans can be guaranteed issue or require very limited underwriting
  • Supplemental Health Insurance and Ancillary Health Insurance rates are very stable
  • Supplemental Health Insurance and Ancillary Health Insurance plans can provide first dollar benefits to help fill your major medical health insurance plans gaps ( deductibles, co-insurance and co-pays)
  • Supplemental Health Insurance and Ancillary Health Insurance plans can keep your premium costs low for a long period of time if combined with a high deductible Major Medical Health Insurance plan

Call Professional Insurance Services and let us help you find ways to lower your health insurance rates by adding supplement and ancillary health insurance plans to your primary health insurance plan.