Having health insurance in this country is essential. But if you have not heard of supplemental insurance, we want to give you the information you need so that you can contact your insurance agent or our Opportunity Insurance offices for more information.
What is supplemental insurance?
This insurance includes all types of insurance, not just health. It can be dental insurance, life insurance, cancer insurance, accident or serious illness insurance. All of these are attached to your health insurance policy. In general, these supplementary insurances are very inexpensive and work in a similar way to your health insurance.
The supplementary insurance can reimburse you in the event that you suffer an accident and are unable to work. Of course, you will have to pay a monthly premium, which is usually quite cheap.
If your health policy is basic and does not cover many of the things you would like, this is a good opportunity to purchase supplemental insurance with a lower cost, that covers you, for example , cost of hospitalization.
Always remember to check with your insurance agent about the supplemental insurance options available to you, not just health. You can also purchase supplemental insurance for cars, home, among others.
Why update my insurance plan?
To keep your insurance plan up to date, you must take into account the needs of your family. Marriage, the arrival of a baby, a new acquisition such as a house or car, all these changes usually affect your insurance policy; because as your needs change, the needs of your insurance coverage will also change.
For this reason, it is convenient that you analyze the changes that you may have in your family life, reevaluate your insurance needs and consult with your agent to make the changes; which can be adding a complementary insurance to the policy you already have. At the Opportunity Insurance offices we have our contact 786-334-6612 available for more information.
What coverage does supplemental insurance offer?
This will depend on the service we choose. In some cases they cover a large part of medical expenses, for example, which are usually expensive and are not included in our health policy. So the coverages are usually specific depending on the type of supplemental insurance you have.
Generally, coverage is through reimbursement or compensation, which can cover maternity and hospital expenses. It is important to clarify that pre-existing diseases are not included in the supplementary insurance.
Refund or compensation
In order to receive reimbursement or compensation, normally the insurance company will request the data or invoices of expenses from the service provider. Thus the insurer will analyze the expenses and will cover depending on the complementary insurance that we have chosen.
The amount of the reimbursement, the validity of the insurance, among other information, will be established at the time of purchasing our policy. Therefore, we pay careful attention to this data.
Complementary insurance offers us the possibility of covering certain expenses that may arise unexpectedly or due to an accident. With compensation we could cover expenses in case of not being able to work or being unemployed, as has been the case of many families during the pandemic.
We live in very difficult times and having insurance can save you a lot of problems in the future, not only for you but for your whole family. Remember to visit our YouTube channel, where you can get more information about insurance.
We also have at your disposal our social networks and our contact number. The important thing is that you don’t run out of insurance. Call, ask and find a policy that fits your budget.