Supplemental Insurance Simplified

Protection for Expenses That Health Insurance Doesn’t Cover

Why Work With A Compass Agent

Let us help you find the right supplemental insurance coverage

  • Simple and Affordable Supplemental Insurance

    Supplemental plans can provide customizable protection for you and your family on any budget. These policies are designed to fill in the gaps of what your health insurance doesn’t cover. Benefits are paid directly to you, so you can use the money however you choose.

  • Pays Bills Your Health Insurance Doesn’t Cover

    With any critical illness or accident there are many expenses your health insurance is not going to cover. Supplemental policies can help cover copays or coinsurance, rent or mortgage, car payments, child care, or everyday living expenses while you are out of work recovering.

  • Benefits Paid Directly To You

    Supplemental benefits are often paid directly to you. You decide how to use the money. Use the money for whatever you need so you don’t have to worry about your finances as you recover. Medical insurance pays your doctors and hospitals; supplemental insurance is designed to pay you.

Dental and Vision Supplemental Insurance

Dental and vision insurance is the most common type of supplemental insurance.

  • 100% coverage for many preventative services like cleanings, x-rays and oral exams
  • Large network of dentists and specialists
  • Affordable premiums that do not increase as you get older

Disability Insurance

Most people insure their health and possessions but few thing to insure their most valuable asset – their income. Disability plans pay a monthly cash benefit for periods of total disability even if benefits are also paid under worker’s compensation.

  • 1 in 4 people will become disabled before they retire
  • Quick and simple quoting process
  • Benefits are paid directly to you
  • Short and long term disability

Accident Insurance

You can’t always prevent accidents from happening, but you can be prepared with extra protection for the unexpected. These benefits can help pay for any unexpected bills that your health insurance doesn’t cover.

  • Copays or coinsurance
  • Rent or mortgage
  • Car payments
  • Childcare
  • Everyday Living Expenses
Doctor with Man - Health Insurance

Critical Illness Supplemental Insurance

Many of us will be affected by cancer or other critical illnesses in our lifetimes. 1/3 of GoFundMe donations are for medical costs – don’t become the next Go Fund Me fundraiser and avoid medical bankruptcy with benefits that are paid directly to you.

  • 62% of bankruptcies in 2007 were due to medical problems
  • Cash benefits pay your bills while you are recovering
  • Focus on treatment and recovery, without worrying about your finances

Insurance Learning Resources

We are committed to helping you understand your insurance benefits.

  • What is a Deductible?

    Your deductible is what you will pay out of pocket before your health insurance will begin to cover any qualified expenses. Deductibles are usually an annual amount. Many plans offer preventative benefits even before you have met your deductibl...
  • What is a Co-Pay?

    Many health insurance plans will have a copay associated with certain services. This means that prior to meeting your deductible, you will only be responsible for the copay. In our example above, if you have a $10 copay for a primary care visit, t...
  • What is Co-Insurance?

    After you have paid your deductible, you still may be required to pay co insurance. This is a small percentage of your medical bills that you’ll pay after paying for your deductible. So for example, if you have a $1,000 deductible with an 80/20 pl...

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  • John Bird was referred to me by a friend - now I won't go anywhere else. He was exceptional in helping me to find the right plan for my family and saved me $1,500/month! I highly recommend him, he... Read More Stephen P
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  • "I needed to get signed up for health insurance and Clayton helped me find a plan that fit my needs. He was very helpful and got me all of the information I needed that day, he even drove to my house... Read More Eric F
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  • Arthur was more than willing to walk me through the process, answer questions and upload documents for me Paula F
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  • Shem Barlow has taken care of all our medical insurance needs with dental, vision and health coverage. He has taken care of the headache to navigate the marketplace and always makes sure to complete... Read More Sarah J
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  • Kimber Crofts went above and beyond to make sure me and my family were taken care of. She was great to work with and didn't come up short. Carl J
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Supplemental Insurance Simplified

Protection for Expenses That Health Insurance Doesn’t Cover