Accident, critical illness, hospital indemnity, and short-term medical coverage that pays you directly — protecting your finances when your health plan's deductible kicks in.
Free, no-obligation — a licensed Nevada agent will reach out within one business day.
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Pays a defined benefit when you're injured in an accident — regardless of what your health insurance pays. Covers ER visits, fractures, dislocations, lacerations, and follow-up care.
Best for: Active individuals, families with children in sports, high-deductible health plan enrollees who want protection against unexpected injury costs.
Pays a lump sum upon diagnosis of a covered critical illness — heart attack, stroke, cancer, organ failure. The cash is yours to use however you need: deductibles, lost income, travel for treatment, household bills.
Best for: Those with a family history of cancer, heart disease, or stroke; anyone whose income would be disrupted by a serious illness.
Pays a set cash amount for each day you're hospitalized — typically $100–$300/day. Helps offset the hospital co-insurance, admission fees, and out-of-pocket costs that most health plans impose on inpatient stays.
Best for: Those on high-deductible plans; anyone with a chronic condition that may result in hospitalizations.
Temporary health coverage for gaps between jobs, aging off a parent's plan, waiting for employer benefits to begin, or other transition periods. Not ACA-compliant — not eligible for subsidies — but can bridge a gap affordably.
Best for: Coverage gaps under 12 months where a full ACA plan isn't warranted or affordable. Note: Does not cover pre-existing conditions.
Supplemental products don't replace your health plan — they pay you directly on top of it, covering the costs your health insurance doesn't.
| Scenario | What Your Health Plan Pays | What Supplemental Pays | Your Net Out-of-Pocket |
|---|---|---|---|
| ER visit + fracture (accident) | After $4,000 deductible: 80% | Accident plan: $2,500 direct to you | $1,500 vs. $4,000 |
| Cancer diagnosis + treatment | Pays after deductible; OOP max $8,000 | Critical illness: $25,000 lump sum | Lost income + bills covered |
| 3-day hospital admission | Pays after $500 copay + coinsurance | Hospital indemnity: $900 ($300/day) | Copay effectively covered |
A licensed broker helps you identify the gaps in your current coverage and fills them cost-effectively.