Supplemental Health Insurance in Tennessee
Supplemental health insurance in Tennessee pays cash directly to you when illness or injury strikes — for anything health insurance doesn't cover. Critical illness, accident, and hospital indemnity plans available in Tennessee.
About Supplemental Health Insurance in Tennessee
Supplemental health insurance pays cash directly to you when illness or injury strikes — for anything health insurance doesn't cover. Critical illness, accident, cancer, and hospital indemnity plans pay lump sums or daily benefits that you can use for anything: lost income, deductibles, travel, childcare, or your mortgage.
Key Benefits
- Cash paid directly to you — no restrictions on use
- Pays in addition to health insurance — no coordination of benefits
- Critical illness: lump sum on diagnosis of cancer, heart attack, stroke
- Accident insurance: cash for ER visits, fractures, hospitalizations
- Hospital indemnity: daily cash benefit for each day hospitalized
Frequently Asked Questions
Do I need supplemental insurance if I already have health insurance?
Health insurance covers medical bills — but not the full cost of a serious illness. The average cancer patient spends $33,000 in out-of-pocket costs even with health insurance. Supplemental insurance fills these gaps with cash paid directly to you.
What is critical illness insurance?
Critical illness insurance pays a lump sum cash benefit when you're diagnosed with a covered serious illness — typically cancer, heart attack, stroke, kidney failure, or organ transplant. The payment is made on diagnosis, not based on medical bills.
What is hospital indemnity insurance?
Hospital indemnity insurance pays a fixed daily cash benefit for each day you're hospitalized — regardless of diagnosis. No receipts, no coordination with health insurance. Cash is yours to use for anything.
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