Supplemental health insurance

Insurance companies offer a large number of supplemental health insurance policies to groups as well as to individuals. Although they do not constitute the primary source of disability or medical protection for a person, they can help with unplanned expenses and give additional peace of mind for the person insured.

Supplemental health insurance comes in many forms, which include Medicare supplemental health insurance, dental insurance, hospitalization insurance, vision insurance, accidental dismemberment and death insurance, and insurance against specific diseases.

Supplemental health insurance coverages are most often subscribed to in order to supplement a primary medical expense that is not included or is subject to some sort of cost sharing policy such as deductibles or co-payments. In many cases supplemental health insurance covers expenses related to vision and dental care. And in some instances, supplemental health insurance help with additional expenses that are linked to serious injuries or illnesses.

When someone is hospitalized, a supplemental health insurance policy might come in handy to pay for fixed daily, weekly or monthly benefits through out the duration of the hospitalization. The policy is independent of the actual charges and, generally, it is expressed as a fixed dollar amount. There are times when a supplemental health insurance pays for hospital indemnity benefits in addition to other benefits. They are often used to pay for out of pocket and expenses such as child care, which aren't covered by the primary health insurance.

Necessary dental care is paid with a dental insurance, however very few medical insurances cover dental expenses. In the U.S., roughly 97% of dental benefits are provided by supplemental health insurances, that act as stand alone insurances or affiliates specializing in this type of care. Generally, dental plans of this sort offer comprehensive preventive packages but major dental procedures such as root canals and crowns are only partially covered.

Vision care supplemental health insurance normally covers routine eye care and is subscribed to in order to complement other benefits. This type of insurance is designed to encourage people to routinely examine their eyes to ensure that the appropriate treatment is provided soon enough to prevent more expensive procedures on the long run.

Some insurances offer a supplement health insurance policy to cover specific diseases. For example people who need continuous homeopathic antihistamine treatments may subscribe to a supplemental health insurance to alleviate their medical expenses. Even in Germany, where basic health insurance coverage is universal, disease specific insurance is often covered by a supplemental health insurance, especially for homeopathic treatments. You can find more information about homeopathic supplemental health insurance in Germany on http://www.krankenkassen.net/krankenzusatzversicherungen/heilpraktiker.html