Supplemental Health Insurance: Your Most Asked Questions Answered
Supplemental Health
Here are some of the most common questions we receive.
What is Supplemental Health Insurance?
It’s designed to help you pay for out-of-pocket expenses that your primary health insurance doesn’t cover. Benefits can help pay for out-of-pocket medical and non-medical expenses, such as deductibles and co-pays. They can also help cover lost income and provide for daily living expenses such as your rent or mortgage, childcare, medication, transportation costs, and more.
Supplemental Health Insurance to Help Bridge Coverage Gaps
Explore Accident, Critical Illness, and Hospital Indemnity plans.
I already have Medical Insurance, so why do I need Supplemental Health Insurance?
Medical insurance won’t cover 100% of expenses that inevitably stem from a serious illness, injury, or hospitalization. Supplemental Health Insurance can help fill financial gaps for things like deductibles and co-pays, lost income, and everyday living expenses.
How does a Supplemental Health plan work?
Unlike medical insurance that pays your doctors and hospitals, Supplemental Health Insurance pays you. When you file a claim for a covered injury, illness, or hospitalization, you’ll receive a cash benefit via check or direct deposit to your bank account. And, you don’t need to submit receipts or doctor bills. There are no restrictions on how you spend your benefit payments.
What Supplemental Health plans are available?
Accident insurance Pays benefits for covered injuries and treatments resulting from a covered accident, including surgery, ambulance, emergency care, and more.
Critical Illness insurance: Pays benefits upon diagnosis of a covered critical illness or specified event such as a cancer, a heart attack, or stroke.
Hospital Indemnity insurance: Provides benefits for admission and hospital stays, with extra payments for intensive care.
How do I know which plans are right for me?
The answer depends on your lifestyle, life-stage, family health history, and emergency savings. Learn more about how the plans—individually and collectively—can help you bridge coverage gaps.
Can anyone enroll?
Enrollment is guaranteed, regardless of your health.
Are there pre-existing condition exclusions?
A critical illness or hospitalization is not covered if it is caused by or results from a pre-existing condition for which you’ve received medical consultation, care, or treatment or taken prescribed medication in the past 12 months and the covered condition begins within 12 months of your coverage effective date.
A note about cancer: If you have been cancer-free for over 12 months, it is not considered a pre-existing condition. Receiving annual scans from a previous diagnosis does not constitute treatment.
A note about pregnancy: Routine pregnancy, childbirth, and complications of pregnancy are covered beginning 10 months after your coverage effective date.
Group Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ
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