Supplemental Insurance Plans
Explore our supplemental plans that offer cash benefits! Policies that pay what is not covered by your health insurance.
What we offer here at Cuspide
All these supplemental insurance plans we offer are through a company called Combined Insurance. There are 3 different plans that you can choose from depending on your need.
Accidental Insurance
This policy provides cash benefits in case of accidents, injuries, falls, etc. It has a rider which you can add that includes a $50,000 benefit (like a mini life insurance) all for just $20 a month!
Cancer Insurance
This supplemental coverage offers you financial assistance if you are diagnosed with cancer. Can help with treatments, tests, and other costs. Works along well with your regular health insurance.
Accident & Sickness
Similar to the Accidental, this policy also includes coverage for all illnesses. It is usually bought along with the Accidental Insurance plan to get DOUBLE the benefits.
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What is supplemental insurance?
Supplemental insurance is a crucial type of coverage that works with your primary insurance policies, such as health insurance, to pay for what your health plan does not. It is NOT the same as (health insurance plans.)
The main difference is that a supplemental plan will pay YOU directly. Unlike health insurance in which the company pays the hospital, expenses, etc. Which is why a health plan goes hand in hand with supplemental insurance. The 2 work together to make sure you are fully covered.
Medical statistics you need to know
Supplemental insurance examples
Below are the 3 different kinds of plans we offer here at Cuspide. These supplemental benefits include things like accidents, injuries, illnesses, hospitalization, cancer, and more. Also remember they pay YOU directly. We offer three types: Accident, Cancer, Accident & Sickness. Read below to see which plan suits you best.
This accidental insurance policy provides you with cash benefits and has a life insurance “rider” (think of it like a bonus) to help you and your family when you need it the most. You add the rider to the supplemental plan and get benefits of up to $50,000!
Cost: $16 a month. $20 a month with the life insurance rider
Age available: From 18-75 years old
Just like the others the accidental insurance coverage is 24/7 and 365 days a year. If you change jobs/employers, you can continue coverage just fine and claims are paid directly to you even if you have any other type of insurance. If you are asking what does an accidental policy cover? This supplemental insurance policy covers things from hospital visits, to care and recovery. The chart below has the answers.
Benefits
Hospitalization (within 90 days of injury): $150 per day
Intensive care: $1,000 per day
Recovery after hospitalization (minimum 10 days and a maximum of two times the length of hospitalization while totally disabled): $150 per day
Emergency room visit (for injury within 48 hours of accident): $150 per accident
Medical care (for treatment within 90 days of injury): $100 per accident
Recovery after outpatient surgery (within 30 days after outpatient surgery that takes place within 90 days after the accident while totally disabled): $1,500 per month (for 6 months)
Additional Rider
Accidental death and loss of limb (any accident)
– Loss of a limb or loss of vision in one eye: $25,000
– Death or loss of multiple limbs or loss of vision in both eyes: $50,000
Is accidental injury insurance worth it?
Yes, accidental injury insurance is worth it because for just $20 a month you have a $50,000 life insurance policy! Also, you don’t have to die to receive the benefits. So, if you are looking around for supplemental insurance for a “what if” situation then yes grab yourself some coverage now!
The cancer insurance policy provides cash benefits, which you can use to pay out-of-pocket expenses related to cancer treatment and recovery (or whatever you want.) This is cancer insurance with no waiting period. As soon as you make the first payment you are covered.
Cost: Starts at $18 a month and can go up to $40 a month.
Age available: From 18-64 years old
The cancer supplemental insurance plan benefits are paid directly to you (or who you choose), regardless of any other coverage you may have. Below is a chart of the benefits you can receive.
IMPORTANT: If a covered person has Medicaid, then policy benefits may be assigned and paid to their state Medicaid agency. For Medicaid eligibility purposes, benefit payments you receive may be counted as income.
Benefits
Hospitalization (as an inpatient for covered cancer treatment): 1-60 days, $200 per day.
61-120 days, $250 per day. More than 120 days, $300 per day.
Intensive care: 1-60 days, $200 per day. 61-120 days, $250 per day. More than 120 days, $300 per day.
Surgery & anesthesia: Surgery, up to $2,000. Anesthesia, up to $300 ($100 for skin cancer)
Radiation & chemotherapy: $3,000 maximum lifetime benefit for inpatient or outpatient treatment.
Preventative care: Up to $100 per physical exam or preventive cancer exam at the end of every 3 years of policy validity.
First diagnosis: $5,000 for the first cancer diagnosis.
Medical visits to the hospital: $40 per day.
Blood and plasma: Expenses incurred
Ground Ambulance: Up to $100 per transfer (up to 2 transfers per stay)
Aerial: Up to $800 (a roundtrip economy class ticket)
Things you must know about this chart:
– The surgery & anesthesia is a unique benefit, depending on the type of surgery. There are no limits on the number of surgeries.
– The anesthesia must be administered by an anesthetist during a covered operation.
– The first diagnosis benefit is payable once for each covered person, at the time of the first diagnosis of a covered cancer (except skin cancer) while the policy is in effect.
– For the medical visits to the hospital, blood/plasma, and ground ambulance they are subject to the maximum lifetime benefit accrual of $5,000. There is no lifetime maximum for blood and plasma used for the treatment of leukemia.
Did you know: There is a 1 in 2 chance that a man gets diagnosed with cancer in his lifetime and a 1 in 3 chance for woman?
Which insurance is best for cancer?
Aside from having a health plan, a supplemental insurance policy with Cuspide is the best for cancer. A typical health insurance plan helps pay medical expenses, but with the cancer insurance that we offer YOU will get directly paid. We offer cancer insurance with Combined Insurance. For just $18 a month you can receive many benefits like getting $5,000 for a diagnosis. Contact us at Cuspide at (305) 970-8583.
This accident and illness policy provides cash benefits to help you and your family in case of an injury or an illness. This is the most popular supplemental insurance policy. Most people buy it along with the standalone accidental policy and get access to double the benefits.
Cost: Anywhere from $30 to $60 a month
Age available: 18-64 years old
Just like the others it pays you directly and you are covered 24/7 every day of the year. There are 2 different plans in this policy. One is called the “Standard” and the other is called the “Base” plan. The difference is the price and the benefits. The base is cheaper but has half the benefits that the standard does. Below is a chart that breaks down both supplemental plans and their coverage.
Benefits:
Standard Plan | Base Plan
Overnight hospital stays as an inpatient (per day): $100 per day | $50 per day
Recovery after a hospital stay while totally disabled (per day/minimum is 10 days or up to the number of days you are hospitalized): $100 per day | $50 per day
Income for recovery after outpatient surgery, while you are in a state of total disability (per month, up to 6 months): $1,000 per month | $500 per month
Intensive care (per day): $650 per day | $325 per day
Emergency room (per visit; maximum 4 visits per year): $75 per visit | $50 per visit
Did you know: According to the CDC, 42 out of 100 people (42%) visit the emergency room a year?
Is accident and sickness insurance worth it?
Yes, accident and sickness insurance is worth it because you get lots of cash benefits for things like visiting an emergency room/hospitalization. So, if something were to go wrong you are covered. If you are a person who regularly goes to the doctor or has health issues, then we recommend getting a supplemental insurance policy with Cuspide. Your normal health insurance pays the medical expenses, but this policy will pay you directly. For just $30 a month you are covered in case the worst happens. Give us a call today and speak with our agents, (305) 970-8583.
Need help with supplemental insurance? We got you.
Here at Cuspide we make insurance easy. Health is the most important thing so do not put it off! Contact us today and explore the many supplemental plans that we have to offer. Quotes all at no cost to you.
Below we answer the webs most asked supplemental health insurance questions.
Yes, buying supplemental insurance is a good idea if you want to get paid beyond your health insurance. It is perfect for individuals and families who anticipate more medical costs or have chronic conditions etc. Your health insurance will help pay for things like medical bills and services, but a supplemental plan will pay you directly to help with costs or whatever you may need it for. It goes well together with a health insurance plan, if you have high deductibles or co-pays then you can use a supplemental plan to help pay for such costs. Contact us today at Cuspide to learn more: (305) 970-8583
Supplemental insurance is not the same as medical insurance, but they work together effectively. Medical insurance, also known as health insurance, usually covers essential healthcare costs like doctor visits, hospital stays, and prescription medications. It’s a plan that helps with major medical expenses. On the other hand, supplemental insurance is extra coverage that can help pay for specific things like co-pays, deductibles, or services not fully covered by medical insurance. Supplemental plans payment goes straight to you. So, while medical insurance is the main coverage for big medical needs, supplemental insurance gives you that little extra when you need it most.
Accidental insurance works by providing you with money if you have an accident covered by the policy. If you get hurt or even die due to an accident, this insurance gives you a payout. This type of supplemental insurance that we offer here at Cuspide with Combined Insurance also includes a special addition called a “rider”, which is like a bonus. This rider gives extra benefits in case of accidental death, providing you with $50,000. All of this comes in at just $20 a month, for everyone. Interested? Contact Cuspide today at (305) 970-8583.
Yes, cancer insurance is worth it because it offers cash benefits if you were to face a cancer diagnosis. Imagine this: if you or someone you care about gets diagnosed with cancer, there can be extra costs that a regular health plan will not cover. Cancer insurance helps by giving you extra money to handle things like treatments, travel, and other expenses.
For instance, when you’re first diagnosed with cancer, having this supplemental insurance plan could provide you with $5,000 right away! Benefits like this can make a big difference during a challenging time. It makes sure you focus on getting better without worrying about money.
Contact us at Cuspide: (305) 970-8583
Supplemental insurance offers more benefits that are helpful. It covers things that your regular health insurance plan will not pay for like emergency room visits, co-pays, treatments, etc. Benefits include getting paid $100 per day while being hospitalized or getting $75 for an emergency room visit or even getting $2,000 for a surgery. If you have ongoing health needs or want to be safe, then looking at supplemental plans may be a good idea. Most bankruptcies and financial problems are due to medical costs, so protect yourself and don’t join that statistic.
Contact us at Cuspide today and get help: (305) 970-8583
It's time. Get a supplemental insurance quote today!
Do not postpone your health! Explore all the supplemental plans that we have. Contact us today at Cuspide and we will give you a quote at no cost to you. (305) 970-8583
