Supplemental Health Insurance is an additional health insurance plan that helps pay for health care costs that are not covered by a person's regular health insurance plan. 

Supplemental plans don’t typically cover medical treatments, such as surgeries or medications. Supplemental health plans pay for expenses that health insurance doesn’t cover, such as dental, vision, disability and long-term care insurance. A supplemental plan may help pay health insurance deductibles or copayments, or pay for specific care, such as cancer or critical illness. Supplemental plans can provide financial protection from unforeseen circumstances. 

Click here to meet an agent to get help choosing the right plan for you, or email office@shresthainsurance.com.

Accident insurance pays out a lump sum if you become injured because of an accident. It allows you to claim benefits even if the injuries you incur do not keep you out of work. Accident insurance may also complement health insurance if an accident causes you to have medical expenses that your health insurance doesn’t cover.

Accident insurance policies can provide you with a lump sum paid directly to you that will help pay for a wide range of situations, including initial care, surgery, transportation and lodging, and follow-up care.
Here’s how it works:
-  A set amount is payable based on the injury you suffer and the treatment you receive.
-  Benefits are payable directly to you (unless you specify otherwise) and can be used as you see fit.
-  Coverage is available for you, your spouse and eligible dependent children. You do not need to answer medical questions or have a physical exam to get basic coverage.
-  Accident insurance covers injuries that happen on the job or off the job — unlike workers’ compensation, which only covers on-the-job injuries. Benefit payments are not reduced by any other insurance you may have with other companies.

While coverage through a health plan can be vital, it doesn’t cover everything. If you suffer from a serious illness, such as cancer, stroke or a heart attack, a health plan may not provide all the coverage you need. Critical Illness insurance will ease the financial strain and help you focus on your recovery.

If you purchase Critical Illness insurance, if you suffer from one of the serious illnesses covered by your policy, you’ll be paid in a lump sum. The payment will go directly to you instead of to a medical provider. The payment you receive can be used for many things including:
-  Child-care costs
-  Medical and living expenses
-  Travel expenses for you and your family
-  Lost wages from missed time at work

Hospital Indemnity insurance are plans designed to pay for the costs of a hospital admission that may not be covered by other insurance.  Even if your health plan covers most of your hospitalization, you can still receive payments from your Hospital Indemnity insurance plan to cover extra expenses while you recover.

You pay monthly premiums for your Hospital Indemnity insurance plan. If you are admitted to the hospital for an injury or illness, your Hospital Indemnity plan makes cash payments to you. And with the payments going directly to you, you can use these emergency funds to pay for costs not covered by your medical insurance, medical insurance deductibles, copays and coinsurance, child-care expenses while you are in the hospital or cost-of-living expenses as you recover.