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Supplement Health Plans

Home > Supplement Health Plans

Supplemental Health

Your health plan pays the doctor. Who pays everything else?

Deductibles, missed paychecks, rides to treatment and bills at home don’t stop when you’re hurt or sick. Supplemental plans pay you cash, so you can cover whatever comes up.

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Plans by Need

Start with what worries you most

1. Cash When Something Happens

Worried about an injury?

Accident Plans

Pays you a set amount for things like ER visits, fractures and follow-up care, on top of your health plan.

What if it's cancer, a heart attack or a stroke?

Critical Illness Plans

A lump-sum payment when you’re diagnosed with a covered illness, to spend however you need.

Facing a hospital stay?

Hospital Indemnity Plans

Pays a fixed amount per day or per stay, to help with deductibles and the bills at home.

2. Protect Your Income and Future

Could you pay the bills without a paycheck?

Disability Insurance

Replaces part of your income if illness or injury keeps you from working, for weeks or for years.

Who would pay for daily care?

Long-Term Care Insurance

Covers help with bathing, dressing and other daily needs at home or in a facility, which health plans and Medicare don’t.

3. Fill a Coverage Gap

Between jobs or plans?

Short-Term Health Plans

Lower-cost temporary medical coverage while you wait for other coverage to start.

Traveling outside the U.S.?

Travel Medical Plans

Covers emergency care abroad, which most health plans and Original Medicare generally don’t.

A Real-World Example

How cash benefits actually help

Say you slip on the ice and break your leg. Your health plan pays the hospital, but only after your deductible, and nothing covers the paychecks you miss.

An accident plan pays you a set amount for each covered treatment. Use it for the deductible, groceries, the mortgage or a ride to therapy. It’s your call.

Illustration · a broken leg
The costYour health planAccident plan
ER visit and X-raysAfter deductiblePays you $300
Fracture treatmentAfter deductiblePays you $1,500
Follow-up and therapyCopaysPays you $250
Two weeks off workNot coveredSpend it here too
Cash in your pocket$0$2,050

Hypothetical example. Benefit amounts depend on the plan and level you choose, and are paid only when all policy terms are met.

Your Biggest Asset

Protect your paycheck and your future care

Your ability to earn is worth more than your house or your car. These plans protect it, and the savings you’ve built.

Out of work for a while?

Short- and Long-Term Disability

Short-term disability pays part of your income for a few weeks to months. Long-term disability starts after a longer wait, often 90 days, and can pay for years.

  • Monthly checks while you recover
  • Plans shaped to your job, age and income
  • Fills in when work coverage falls short

Thinking about later in life?

Long-Term Care

Most Americans turning 65 will need long-term care at some point. Health insurance and Medicare don’t pay for ongoing help with daily living.

  • Home care, adult day care and assisted living
  • Nursing home and respite care
  • More say in where and how you get care

Qualifying

How easy is it to get approved?

Some plans accept everyone. Others look at your health first, which insurers call medical underwriting. Younger and healthier usually means easier and cheaper.

Plan
How you qualify
Good to know
Accident
How you qualifyOften guaranteed approval
Good to knowNo health questions on many plans
Hospital indemnity
How you qualifyEasy to qualify on many plans
Good to knowSome ask a few health questions
Critical illness
How you qualifyHealth questions on many plans
Good to knowSome guaranteed options, with lower benefits
Short-term health
How you qualifyHealth questions
Good to knowPre-existing conditions usually aren't covered
Disability
How you qualifyFull medical underwriting
Good to knowYour job and income also matter
Long-term care
How you qualifyFull medical underwriting
Good to knowEasier to qualify, and cheaper, when you're younger

Questions

What people ask us about supplemental plans

No. Supplemental plans pay you cash on top of your health coverage. Short-term plans are medical coverage, but they leave out pre-existing conditions and the essential benefits ACA plans must cover. For full coverage, see our health insurance options.

Any time of year. These plans don’t follow the open enrollment dates that ACA health plans do, and many can start quickly once you’re approved.

Michigan limits short-term plans to 185 days in any 365-day period with the same insurer, and they can’t be renewed past that. They’re meant as a bridge, not long-term coverage.

With accident, critical illness and hospital plans, the benefit is usually paid to you, not the hospital. You decide how to use it.

Often, yes, if a big deductible or a few weeks without pay would strain your budget. We’ll look at your current coverage and tell you honestly which gaps are worth filling.

Other Ways We Can Help

More coverage for you and your family

Need a dentist or new glasses?

Dental & Vision

Plans for every age, including seniors up to 84.

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Would your family be okay?

Life Insurance

Find out how much coverage you need with our calculator.

Learn More →

Turning 65 soon?

Medicare Plans

Advantage, Supplements and Part D, compared for you.

Learn More →

A little extra coverage. A lot more peace of mind.

We’ll review the coverage you have, show you where a big bill or a missed paycheck would hurt and price the plans that fill those gaps. In-person or virtual.

  • Free coverage review
  • Plans for any budget
  • No pressure
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Prefer to call?
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Sources

Supplemental plans are not a substitute for comprehensive health coverage. Benefits are paid only when all policy terms are met; limitations and exclusions apply. See each plan’s summary for details. Security First Benefits Corporation is a licensed insurance agency, and this is a solicitation of insurance.

  • Aetna
  • Allianz
  • Blue Cross Blue Shield of Michigan
  • Delta Dental
  • Everence Trust Life
  • HAP
  • Humana
  • McLaren Health Plan
  • North American
  • Priority Health
  • UnitedHealthcare
  • VSP

Our Office

Security First Benefits Corporation

2357 Stonebridge Dr.
Flint, MI 48532

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We do not offer every plan available in your area. Currently we represent [#] organizations which offer [#] products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

© 2026 Security First Benefits Corporation. All rights reserved.

GENERAL DISCLAIMER:

 
Security First Benefits Corporation is a licensed insurance agency authorized to market Medicare plans. This is a solicitation for insurance, and a licensed agent may contact you after you request a quote. Benefit information is a brief summary, not a full description of benefits; contact the plan for details. Limitations, copayments and restrictions may apply. Security First Benefits Corporation is not connected with or endorsed by the U.S. government or the federal Medicare program.

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