In today’s world, healthcare expenses are rising faster than ever, and even the most comprehensive major medical insurance may not cover everything. While your employees or members may have major medical coverage, it’s essential to consider additional protection to fill in the gaps and provide enhanced peace of mind when unexpected medical events happen. Supplemental health insurance is a smart, cost-effective solution to help cover the high deductibles, co-insurance, and out-of-network costs that can quickly add up.

One of the best ways to ensure employees or members are better protected is by offering Accident Medical Reimbursement, a highly beneficial form of supplemental coverage. Unlike scheduled indemnity plans, which offer fixed payments for specific injuries or treatments, accident medical reimbursement provides actual reimbursement for medical costs incurred due to an accident. This means your employees or members are covered for the real expenses they face, whether it’s the cost of an ER visit, a broken bone, or other emergency treatments. The flexibility of this coverage is unparalleled, offering them enhanced peace of mind that their out-of-pocket costs won’t derail their finances after an unexpected accident.

Accident Medical Reimbursement is a more comprehensive solution because it’s tailored to real-world costs rather than a predetermined payout. Whether the enrollee needs medical treatment, hospital stays, or rehabilitation, their out-of-pocket costs will be reimbursed up to the elected policy limit, ensuring that your employees or members and their family gets the care they need without an overly burdensome financial strain.

In addition to Accident Medical Reimbursement, supplemental health insurance offers other coverage options that can significantly reduce financial risk:

• Critical Illness Coverage: If a covered person is diagnosed with a life-threatening illness like cancer, stroke, heart disease, or certain other named illnesses the financial burden can be overwhelming. Critical illness insurance helps ease the financial stress by providing a lump-sum cash payout. This payout can be used for anything from medical treatments to covering lost wages, making it easier for your employees or members to focus on recovery instead of finances.

• Accident and Sickness Hospital Indemnity Insurance: This type of insurance offers cash benefits for hospital stays due to accidents or illnesses. It helps cover the high costs of hospitalization that often exceed regular health insurance coverage, especially if a covered person is admitted to out-of-network facilities. With this indemnity coverage, your employees or members will be able to better manage the payment of large hospital bills when the unexpected happens.

At Landsman Insurance Services, we understand that every employer or affinity group has unique needs and objectives when it comes to providing supplemental health insurance. That’s why we specialize in creating bespoke solutions that offer the best value and protection for your employees or members. We work with you to design a benefits package that addresses the real-life risks people face, ensuring that your team or community is properly covered without unnecessary gaps in protection.

Our goal is to help mitigate the financial impact of unexpected medical events, whether it’s from accidents, critical illnesses, or hospital stays. By offering Accident Medical Reimbursement and other supplemental health insurance products, we can help ensure that your employees or members are not only protected, but also empowered to navigate their healthcare challenges with greater confidence and less financial stress.