OUT-OF-POCKET PROTECTION
Additional Protection When Healthcare Costs Add Up
Even with health insurance, you may still have deductibles, copayments, coinsurance and other expenses when you need medical care.
Out-of-Pocket Protection may provide additional benefits for certain covered healthcare events and expenses, helping give you another layer of financial protection alongside your existing health coverage.
Choose the way that works best for you. Explore available options online or speak with a licensed insurance agent before you apply.
YOUR HEALTH INSURANCE MAY NOT COVER EVERY EXPENSE
Additional coverage can help address certain costs that may remain after your primary health insurance pays its share.
Having health insurance is important, but it does not necessarily eliminate every expense associated with medical care.
Depending on your health plan, you may still be responsible for deductibles, copayments, coinsurance and other eligible expenses.
Out-of-Pocket Protection is designed to work alongside other insurance coverage and may provide benefits when certain covered events occur.
It can be one way to build an additional layer of financial protection around your existing healthcare coverage.
The concept is simple.
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You keep your existing health insurance for your primary medical coverage. An Out-of-Pocket Protection policy may provide additional benefits when you experience certain covered medical events.
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Depending on the plan, benefits may be available for covered hospital admissions, inpatient stays, doctor visits and other eligible services.
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When a qualifying claim is approved, benefits are paid according to the policy terms. Some plans may pay benefits directly to you, giving you additional flexibility in how you use the money.
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Coverage, benefit amounts, eligibility, limitations and exclusions vary by plan and state.
Existing Health Coverage
Covered Medical Event
Approved
Claim
Supplemental Benefit
PROTECTION FOR COVERED HEALTHCARE EVENTS
Depending on the plan, benefits may help provide additional financial support when you need medical care.
Available benefits vary by policy, but an Out-of-Pocket Protection plan may include benefits associated with certain covered healthcare services and events.
HOSPITAL ADMISSION
A benefit may be available when you are admitted to a hospital for a covered condition or event.
INPATIENT HOSPITAL STAY
Certain plans may provide a benefit for eligible days spent receiving inpatient hospital care.
DOCTOR OFFICE VISITS
Some plans may include benefits for qualifying physician or office visits.
OUTPATIENT SURGERY
Depending on the policy, benefits may be available for certain covered outpatient surgical procedures.
EMERGENCY ACCIDENT BENEFITS
Some plans may provide additional benefits following certain covered accidental injuries.
DIRECT BENEFITS
Depending on the policy, eligible benefits may be paid directly to you or according to the policy's benefit provisions.
AN EXTRA LAYER OF FINANCIAL PROTECTION
Your primary health insurance handles your medical coverage. Supplemental protection may help address certain financial gaps.
Out-of-Pocket Protection may be worth considering if you want additional financial support when covered medical expenses occur.
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It may be especially relevant if you:
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Have a health plan with a significant deductible
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Have copayments or coinsurance
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Want additional protection against unexpected medical expenses
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Want benefits that may work alongside your existing health insurance
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Prefer having an additional financial resource available for qualifying events
The right coverage depends on your health plan, budget, needs and eligibility.
There is no one-size-fits-all approach to supplemental insurance.
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Depending on the available plan, you may be able to choose from different benefit levels and coverage options.
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Your goal should be to select protection that makes sense alongside your existing health insurance and fits comfortably within your budget.
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JRF Services can help you understand the available options so you can make an informed decision.
GET OPTIONS. GET ANSWERS. MAKE YOUR DECISION.
You don't have to figure out supplemental insurance on your own.
JRF Services is an independent insurance brokerage providing access to insurance solutions designed around your individual needs.
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We believe insurance should be easier to understand.
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Whether you prefer to explore your options online or speak with a licensed insurance agent first, you can choose the approach that works best for you.
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Our goal is to help you understand what you're considering, review the available options and move forward with confidence.
GET STARTED IN THREE SIMPLE STEPS
Explore your options online or get help from a licensed insurance agent.
STEP 1
EXPLORE
Review available Out-of-Pocket Protection options and learn what each plan is designed to cover.
STEP 2
COMPARE
Consider benefits, costs, eligibility, limitations and exclusions to determine whether a plan fits your needs.
STEP 3
APPLY
Choose the online application process or schedule a call with a licensed insurance agent for assistance.
Explore → Compare → Apply
DON'T WAIT UNTIL AN UNEXPECTED MEDICAL EXPENSE HAPPENS
Explore additional protection for eligible healthcare expenses.
Your health insurance is an important part of protecting yourself and your family. Supplemental coverage may provide another layer of financial protection when certain covered healthcare events occur.
Explore your options online or speak with a licensed insurance agent to learn more.
UNDERSTAND YOUR COVERAGE BEFORE YOU APPLY
Out-of-Pocket Protection is supplemental insurance and is not a replacement for comprehensive health insurance.
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Benefits, coverage amounts, eligibility requirements, premiums, exclusions, limitations, waiting periods and availability vary by plan and state.
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Review the applicable policy documents carefully before purchasing coverage. A quote is not a guarantee of coverage or approval. Benefits are payable only for covered events and services and are subject to the terms, conditions and limitations of the policy.