Fill the Gaps Your Health Plan Leaves Behind
Even great health insurance doesn't cover everything. Supplemental plans pay cash benefits directly to you — helping cover deductibles, copays, lost income, and everyday expenses when illness or injury strikes.
Your Health Plan Has Gaps. Supplemental Insurance Fills Them.
A hospital stay, cancer diagnosis, or serious accident can leave you with thousands in out-of-pocket costs — even with solid health insurance. Supplemental plans are designed to work alongside your primary coverage, paying lump-sum or daily cash benefits that you can use however you need: rent, groceries, childcare, or medical bills.
Types of Supplemental Coverage
Accident Insurance
Cash benefits after an unexpected injuryPays a lump-sum benefit if you're injured in a covered accident — broken bones, ER visits, surgery, physical therapy, and more. Benefits are paid directly to you regardless of other coverage.
Critical Illness Insurance
A lump sum when you need it mostPays a one-time cash benefit upon diagnosis of a covered condition such as cancer, heart attack, stroke, or organ failure. Use the money however you choose — treatment, travel, or living expenses.
Hospital Indemnity Insurance
Daily cash for every day you're hospitalizedPays a fixed daily benefit for each day you're admitted to a hospital or ICU. Helps offset the income loss and extra costs that come with an extended stay.
Disability Insurance
Replace your income if you can't workShort-term and long-term disability plans replace a portion of your income if illness or injury prevents you from working. One of the most overlooked — and most important — forms of financial protection.
Dental & Vision
Coverage your health plan skipsStandalone dental and vision plans cover routine cleanings, exams, fillings, glasses, and contacts — benefits that most major medical plans exclude entirely.
Cancer Insurance
Dedicated coverage for a cancer diagnosisPays cash benefits specifically for cancer-related treatment, including chemotherapy, radiation, surgery, and experimental treatments. Complements your health plan's cancer coverage.
Why Supplemental Coverage Makes Sense
Average out-of-pocket cost per hospital day, even with insurance
Americans will be diagnosed with cancer in their lifetime
Of personal bankruptcies in the U.S. are tied to medical expenses
Benefits paid directly to you — no bills, no reimbursement delays
Not Sure Which Supplemental Plan You Need?
UrHealth Benefits will review your current health coverage and identify the gaps worth protecting against — then find the most cost-effective supplemental plan to fill them.