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Critical Illness Insurance

Close up of doctor holding hands with a patient.

Critical illness insurance protects you against the risk of exceeding the coverage of your health insurance plan. Health insurance covers the cost of treatment up to a specific limit. If you or your family member suffers a serious or catastrophic injury or illness, your health insurance plan may not cover the full cost. This insurance can save you from financial ruin, covering the cost of medical care for several health conditions that can exceed coverage from ACA health insurance, including:

  • Strokes.
  • Heart attacks.
  • Cancer treatments.
  • Coronary bypass surgeries.
  • Organ transplant surgeries.

A Unique Type of Coverage

The benefits of critical illness insurance include paying for costs that are not covered by traditional health insurance. It can pay for other illness-related costs, such as childcare, transportation, or other financial needs. The insurance typically pays out a lump sum based on the specific policy.

What is Covered by Critical Illness Insurance?

Each critical illness insurance policy provides specific coverage. It is necessary to fully understand the fine print when purchasing this type of insurance, as only specifically named illnesses are covered. If you have a high-deductible health insurance plan, this type of insurance can pay for a range of out-of-pocket costs, including:

  • Medical services that are not covered by your health insurance plan.
  • Treatments your health insurance doesn’t cover.
  • The costs associated with daily living while recovering from an illness.
  • The costs associated with refitting the home environment, such as wheelchair access, elevator, or another refit.

Choosing the Right Critical Illness Insurance Plan

Every critical illness insurance plan has specific coverage. It’s important that you choose the plan that best suits your budget and that you fully understand what is covered and what isn’t. Our local agent can advise you about the policy that makes the most sense for your situation.

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