Supplemental Insurance

What Are Indirect Costs?

In the event you experience a major medical event, supplemental and disability insurance provides critical protection that medical insurance does not.

You see, medical insurance only covers the direct costs of a medical event — expenses such as doctor and hospital bills. Yet there are often many other indirect costs associated with a major medical event that medical insurance does not cover.

Example indirect costs may include loss of income or savings, everyday living expenses such as your rent or mortgage payment, medical insurance deductibles and co-pays, travel to a treatment center, or specialty medical care not covered by your medical insurance.

Did you know there are natural coverage gaps in medical insurance that leave you financially vulnerable?

Supplemental and Income Protection Closes the Gaps

For many families, facing just one of these indirect medical costs without supplemental and income protection can be enough to create a financial crisis — on top of the existing medical crisis.

Carrying the right coverage closes the gaps in medical insurance, eliminates the anxiety associated with paying for medical care and protects your family’s standard of living even if the worst happens.

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Flexible Coverage Options

Our plans come in several types, allowing you to cover only the major medical events that are right for you and your family.

With Income Protection and Supplemental Insurance, you aren’t paying for a costly blanket policy that covers unnecessary needs.

Here at Legion Insurance Group, we offer supplemental plans from Family Heritage Life that cover cancer, heart attack or stroke, accidents, and hospital stays, allowing you to choose only what you need.