A cash backstop for the things insurance doesn't cover.
Un respaldo en efectivo para lo que el seguro no cubre.
High-deductible plans keep premiums low but leave a $3,000–$8,000 gap. Supplemental policies write you a check directly when an accident, hospital stay, or critical illness happens.
Las pólizas complementarias le envían un cheque cuando ocurre un accidente o emergencia.
Each one pays YOU, not the hospital.
Cada uno le paga a USTED, no al hospital.
Lump sums for ER visits, fractures, burns, ambulance, and rehab. Pays per incident, on top of your main plan.
Sumas por visitas a emergencia, fracturas, ambulancia.
Single lump sum ($10k–$50k) on diagnosis of cancer, heart attack, stroke, kidney failure, or major organ transplant.
Suma única al diagnóstico de cáncer, infarto, derrame.
Pays $150–$500/day for hospital admission, plus per-night ICU bonuses. Great pair with a bronze ACA plan.
$150–$500/día por hospitalización.
What gets paid out.
Lo que se paga.
ER visit ($150) + X-ray ($100) + closed reduction ($300) + 2-day cast follow-ups ($80) = $630 cash benefit. Family bronze plan covers nothing under deductible.
Critical illness pays single $25,000 lump sum on diagnosis. Use it for treatment travel, lost wages, or whatever the family needs.
Hospital indemnity pays $300/night × 4 = $1,200, plus $500 admission bonus = $1,700 cash.
Accident plan covers initial injury ($300), ambulance ($150), surgery ($800), rehab ($600) = $1,850 cash.
Bundle accident + hospital indemnity for $25–$40/month — typically less than your monthly coffee budget, and pays for itself with one ER visit.
Combine accidente + indemnización por $25–$40/mes — se paga solo con una visita a emergencia.
Cash, when life happens.
Efectivo, cuando la vida sucede.