Supplemental Health Insurance

Innovative Insurance Solutions focuses on finding insurance options that give you the coverage and peace of mind you deserve.

Fill the Gaps in Your Health Coverage

Health insurance helps protect you from major medical costs, but it doesn’t always cover everything. Supplemental health insurance plans are designed to provide cash benefits for specific situations like accidents, illnesses, or short-term recovery needs. These plans offer added peace of mind by helping you manage out-of-pocket expenses, replace lost income, or cover everyday bills during a health crisis.

How Supplemental Plans Work with Health Insurance

These plans don’t replace your main health insurance; they work alongside it to help you manage extra costs. When something serious happens, you receive cash benefits directly, giving you more flexibility to cover what your health plan doesn’t.



  • Use funds for any need, medical or non-medical
  • Plans are often affordable and customizable
  • Many are available with no medical exam or underwriting

Plans We Offer

Disability Insurance

Disability insurance helps protect your income if an illness or injury prevents you from working and earning a paycheck. Depending on the policy, it may replace a portion of your income for a short period or provide benefits for a longer-term disability. Benefits can help you continue covering everyday expenses such as your mortgage or rent, utilities, groceries, and other financial obligations while you’re unable to work. Coverage, waiting periods, benefit amounts, and definitions of disability vary by policy. 


Best for:

Working adults who rely on their paycheck and want financial protection in case a covered illness or injury keeps them from working.

Critical Illness Insurance

This plan pays a lump-sum cash benefit if you’re diagnosed with a serious condition like cancer, heart attack, stroke, or kidney failure. The benefit can be used however you need — from paying deductibles and out-of-network care to travel, childcare, or lost income. Coverage can often be tailored by diagnosis type and benefit amount. Some policies include additional wellness benefits or second-diagnosis protection.


Best for:

Anyone concerned about the financial impact of a major health event, especially if you have a high-deductible plan or family health history.

Cancer Insurance

Cancer insurance provides specific financial support during cancer treatment. It typically covers expenses like diagnostic testing, hospital stays, radiation or chemo, and non-medical costs such as travel or lodging. You may receive one-time or ongoing benefits based on the treatment timeline. Some plans also include wellness screenings or recurrence protection.


Best for:

Those with a family history of cancer or anyone seeking additional financial security during a difficult diagnosis.

Cancer Insurance

Cancer insurance provides specific financial support during cancer treatment. It typically covers expenses like diagnostic testing, hospital stays, radiation or chemo, and non-medical costs such as travel or lodging. You may receive one-time or ongoing benefits based on the treatment timeline. Some plans also include wellness screenings or recurrence protection.


Best for:

Those with a family history of cancer or anyone seeking additional financial security during a difficult diagnosis.

Hospital Indemnity Insurance

Hospital indemnity plans pay daily, weekly, or lump-sum benefits if you’re admitted to the hospital for a covered illness or injury. Payments can help cover hospital room charges, surgery, doctor visits, or other costs not paid by your health insurance. These plans are especially valuable if you have a high-deductible or limited-network medical plan.


Best for:

People who want help covering the high cost of hospital stays, especially if their health plan doesn’t offer strong inpatient benefits.

Accident Insurance

This plan pays benefits if you suffer a covered accident, such as a broken bone, concussion, burn, or dislocation. It can help with ER visits, ambulance rides, surgery, and follow-up care, including physical therapy. Many plans also include accidental death and dismemberment (AD&D) benefits.


Best for:

Active individuals, families with children in sports, or anyone who wants low-cost protection for life’s unexpected injuries.

Heart Attack & Stroke Insurance

Focused specifically on cardiovascular events, this insurance pays a cash benefit if you're diagnosed with a heart attack, stroke, or undergo related surgeries. The money can be used towards medical expenses, rehabilitation, travel, or household costs during recovery. Some plans are standalone, while others are bundled with critical illness coverage.

Best for:

People with a personal or family history of heart conditions or stroke who want targeted protection.

Get Quotes & Enroll

Shop on United Healthcare's site for the following types of insurance:


  • Critical Illness
  • Accident SafeGuard
  • Hospital SafeGuard
  • Disability Income

Supplemental Insurance

Frequently Asked Questions

  • Can I enroll in more than one supplemental plan?

    Yes, many people combine different plans (like accident + critical illness) to build a broader safety net.

  • Are these plans just for older adults?

    Not at all. Many plans are popular with younger individuals, parents, or anyone with a high-deductible medical plan.

  • What’s the difference between critical illness and cancer insurance?

    Critical illness covers a variety of serious health conditions; cancer insurance is more targeted and offers more specific cancer-related benefits.

  • Do I need to submit claims or receipts to use the money?

    To receive benefits, you will generally need to submit a claim and provide documentation of the covered diagnosis or qualifying event. For policies that pay a cash benefit directly to you, you typically do not have to submit receipts showing how
    you spend the benefit after it is paid. Claim requirements vary by carrier and policy.

  • How soon does coverage begin?

    Some plans offer immediate coverage, while others may have a short waiting period or exclude pre-existing conditions. We'll walk you through the fine print during our consultation.