Beyond Medicare
Supplemental Protection
Additional products that may help with costs Medicare doesn't fully cover.
What Is Supplemental Protection?
Supplemental protection products are additional insurance products that may help with costs not fully covered by your primary coverage. These products are offered by private insurance companies and can provide benefits in specific situations.
Common types of supplemental protection may include hospital indemnity insurance, cancer coverage, heart attack and stroke-related supplemental products, and other ancillary health products. Each product has its own terms, benefits, and eligibility requirements.
Hospital Indemnity
May provide a cash benefit for each day you're hospitalized, helping with costs that add up during a stay.
Cancer Coverage
May provide benefits related to a cancer diagnosis to help with expenses that arise during treatment.
Heart Attack & Stroke
Supplemental products that may provide benefits in the event of a heart attack or stroke-related condition.
Ancillary Health Products
Other supplemental products that may help cover specific health-related costs.
Ancillary Protection
Life Policies
Life insurance products that may help protect the people who depend on you.
What Are Life Insurance Policies?
Life insurance is designed to provide a benefit to your beneficiaries after your passing and may help your loved ones manage expenses, debts, or ongoing needs. As an ancillary protection product, it works alongside — not in place of — your health coverage.
Life policies are offered by private insurance companies. Product types, benefits, underwriting, and eligibility vary by carrier and state, and not every product is available in every area.
Term Life
Coverage for a defined period that may provide a death benefit if the insured passes away during the term.
Whole Life
Permanent coverage designed to last your lifetime, which may build cash value over time depending on the policy.
Final Expense
Coverage intended to help with end-of-life expenses such as funeral costs and related bills.
Product availability, benefits and eligibility vary by carrier and state. Life insurance is not a Medicare product. Underwriting, premiums, and benefits differ by policy and insurer — a licensed professional can help you understand what may be available.
Important
What to Know About Supplemental Protection
These products work alongside — not in place of — your primary coverage.
- Supplemental protection does not replace Medicare or major medical coverage.
- Benefits, premiums, and eligibility differ by product and carrier.
- Product availability varies by carrier and state.
- Each product has its own terms and conditions — review them carefully.
Product availability, benefits and eligibility vary by carrier and state. What's available to you depends on where you live and your individual circumstances.
Medicare Disclaimer. Ocean Health Solutions is an independent insurance agency and is not affiliated with or endorsed by the U.S. government or the federal Medicare program. Medicare Advantage and Prescription Drug Plans are offered by private insurance companies that contract with Medicare. Product availability and eligibility vary by location.
Want to Understand Your Supplemental Options?
A licensed insurance professional can help you review what supplemental protection products may be available.