GET SUPPLEMENTAL INSURANCE ONLINE
Additional protection for unexpected accidents, illnesses, hospital stays and other covered events.
Supplemental insurance can provide additional benefits that work alongside your existing health coverage. Depending on the policy, benefits may be available for covered accidents, hospital stays, critical illnesses, cancer and other qualifying events.
With JRF Services, you can explore available supplemental insurance options online or choose to speak with a licensed insurance agent before you apply.
YOUR HEALTH INSURANCE MAY NOT COVER EVERY FINANCIAL IMPACT
Supplemental insurance can provide an additional layer of financial protection for certain covered situations.
Health insurance can help cover eligible medical care, but you may still have deductibles, copayments, coinsurance and other expenses when an unexpected accident, illness or hospitalization occurs.
Supplemental insurance is designed to provide additional benefits for specific covered situations. Depending on the policy, those benefits may provide additional financial resources when you experience a qualifying event.
The right coverage depends on your existing insurance, your financial situation and the risks you want to address.
HOW DOES SUPPLEMENTAL INSURANCE WORK?
Additional coverage designed to work alongside your existing health insurance.
Supplemental insurance generally works alongside—not instead of—your primary health insurance.
Depending on the policy, you may receive specified benefits when a covered event occurs. Some supplemental policies may provide benefits directly to the insured, while others work differently.
Benefits, exclusions, waiting periods, eligibility, premiums and availability vary by policy and state.
YOUR PRIMARY COVERAGE
Your existing health insurance or other coverage remains your primary source of medical insurance.
ADDITIONAL PROTECTION
Supplemental coverage addresses specific situations or expenses described in the policy.
BENEFITS WHEN QUALIFIED
If a covered event occurs, the policy may provide the benefit specified in the policy documents.
EXPLORE SUPPLEMENTAL INSURANCE OPTIONS
Choose additional protection based on the risks and expenses that matter most to you.
There isn't one supplemental insurance policy that fits everyone. JRF Services provides access to different types of supplemental coverage designed around specific needs.
ACCIDENT INSURANCE
Additional benefits may be available following qualifying accidental injuries.
HOSPITAL INDEMNITY
Coverage designed to provide specified benefits for qualifying hospital stays and related covered events.
CRITICAL ILLNESS
Additional protection for certain qualifying serious illnesses, depending on the policy.
CANCER COVERAGE
Coverage designed around certain qualifying cancer-related events and benefits.
DENTAL, VISION & HEARING
Explore additional coverage for eligible dental, vision and hearing needs.
HOME HEALTH CARE
Additional coverage may be available for certain qualifying home health care needs.
SHORT-TERM CARE
Explore coverage designed to provide benefits for certain qualifying short-term care needs.
OUT-OF-POCKET PROTECTION
Explore options designed to provide additional financial benefits for certain covered expenses.
IMPORTANT NOTE
Coverage, benefits, limitations, exclusions, eligibility, premiums and availability vary by policy and state.
IS SUPPLEMENTAL INSURANCE RIGHT FOR YOU?
Supplemental insurance isn't automatically right for everyone—but it may be worth exploring.
Supplemental insurance isn't automatically right for everyone. It may be worth exploring if you want additional financial protection for specific situations.
INDIVIDUALS
Looking for additional protection beyond existing health coverage.
FAMILIES
Wanting additional financial protection for covered accidents, illnesses or hospital stays.
HIGH-DEDUCTIBLE HEALTH PLAN MEMBERS
Concerned about potential out-of-pocket expenses associated with unexpected medical events.
MEDICARE BENEFICIARIES
Wanting to understand whether additional supplemental coverage could address a specific need.
CHOOSE HOW YOU WANT TO SHOP
Purchase online or get help from a licensed insurance agent.
You choose the approach that works best for you.
BEFORE YOU APPLY, KNOW WHAT YOU'RE BUYING
Understanding the policy is just as important as choosing the coverage.
Supplemental insurance policies can differ significantly. Before purchasing, take time to understand what the policy actually covers and when benefits apply.
Checklist
✓ Covered events
What situations trigger benefits?
✓ Benefit amounts
How much does the policy provide when you qualify?
✓ Waiting periods
When does coverage begin and when do certain benefits become available?
✓ Exclusions and limitations
What isn't covered?
✓ Premium
What will you pay for the coverage?
✓ Eligibility
Who qualifies for the policy?
✓ State availability
Is the coverage available where you live?
✓ Renewal provisions
Understand how the policy can change or renew.
REVIEW SUPPLEMENTAL INSURANCE PLANS
Want to learn more before requesting a quote?
Review available product information and brochures to better understand the coverage you're considering.
ADDITIONAL MEMBER BENEFITS
Some plans may include access to additional services and member benefits.
ALREADY HAVE HEALTH INSURANCE?
You may still want to explore additional protection.
You may be wondering whether supplemental insurance makes sense if you already have health coverage.
The answer depends on your existing coverage, financial situation and the risks you want additional protection against.
Consider your deductible, copayments, coinsurance, emergency savings, existing supplemental benefits and the financial impact an unexpected accident, illness or hospitalization could have on your household.
ADDITIONAL PROTECTION FOR THE PEOPLE WHO MATTER MOST
Unexpected events can affect the whole household—not just your medical care.
An unexpected accident, serious illness or hospital stay can affect more than your medical care. It can also create financial challenges for your household.
Supplemental insurance may provide additional benefits for certain covered events, giving you another layer of financial protection to consider alongside your existing health coverage.
SUPPLEMENTAL INSURANCE FAQ
Get answers to common questions before you apply.
Is supplemental insurance the same as health insurance?
No. Supplemental insurance is generally designed to provide additional benefits for specific covered situations. It is not a replacement for comprehensive major medical health insurance.
Can I have supplemental insurance if I already have health insurance?
Yes. Depending on the product, supplemental insurance may be purchased alongside existing health coverage.
Will supplemental insurance pay my deductible?
Not necessarily. A supplemental policy may provide a specified benefit following a qualifying event, but the benefit does not automatically equal your deductible.
Can supplemental insurance pay me directly?
Some supplemental policies provide benefits directly to the insured when a qualifying event occurs. The specific policy determines how benefits are paid.
Can I buy supplemental insurance online?
Some supplemental products may be quoted or applied for online, depending on the product, eligibility and state availability.
Do I need supplemental insurance?
Not necessarily. Supplemental insurance is generally optional. The important question is whether a particular policy addresses a financial risk or coverage need that matters to you.
Can Medicare beneficiaries buy supplemental insurance?
Some supplemental products may be available to Medicare beneficiaries, but "supplemental insurance" can refer to different types of products. Medicare beneficiaries should understand their existing coverage before purchasing additional insurance.
LEARN MORE BEFORE YOU BUY
Understanding your options can help you make a more informed insurance decision.
Insurance can be complicated. Our supplemental insurance resources can help you understand your options before you apply.
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