Your guide to
Supplemental Insurance in Texas
Even with health insurance, some costs can catch you off guard. Our agency helps you understand supplemental coverage that pays benefits in addition to your health plan, not instead of it.
What it covers
Types of supplemental coverage
Each supplemental policy covers something specific. Some help with routine care, and others pay benefits after a covered accident, illness or hospital stay.
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Dental insurance
Helps with the cost of dental care, such as cleanings, exams, fillings and other procedures, depending on the plan.
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Vision insurance
Helps with routine eye exams and the cost of eyeglasses or contact lenses, depending on the plan.
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Accident insurance
Pays benefits after a covered accidental injury, which you can often use toward medical bills or everyday expenses.
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Critical illness insurance
Pays a benefit if you are diagnosed with a covered serious illness listed in the policy.
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Hospital indemnity insurance
Pays a set benefit for a covered hospital stay, in addition to what your health insurance pays.
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Why it matters
Extra protection, not a replacement
Supplemental policies pay benefits in addition to health insurance. They do not replace a health plan, and they are not a substitute for comprehensive coverage.
Health plans often leave you with deductibles, copays and other costs, and a serious injury or illness can also bring expenses that are not medical at all. Depending on the policy, some supplemental benefits are paid directly to you to use as you choose.
Supplemental policies often have their own waiting periods, limits and exclusions, so it helps to review each one before you rely on it.
Answers
Supplemental insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
No. Supplemental policies pay benefits in addition to health insurance, not instead of it, and they are not a substitute for comprehensive coverage.
It depends on the policy. Dental and vision plans generally help pay for covered services, while accident, critical illness and hospital indemnity policies often pay set benefit amounts, sometimes directly to you.
Generally, yes. Each policy has its own benefits, limits and exclusions, so we can help you see how they fit together with your health plan.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.