A man having his knee examined

HomeHealth & ACASupplemental health

Supplemental health insurance, alongside your health plan.

Accident, hospital and critical illness coverage that adds to a health plan. It doesn’t replace one. Tell us what you have now and a licensed agent follows up.

Request a quoteTypes of supplemental coverage

Or call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.

Types of supplemental coverage

Every plan is different. Your agent walks you through what yours includes before you decide.

  • AccidentCoverage for accidents only.
  • Hospital indemnityA fixed amount, for example for each day in the hospital, paid regardless of your actual expenses.
  • Critical illnessCoverage for a specified disease or illness named in the policy.

FAQ

Supplemental health, explained plainly

What is supplemental health insurance?

Coverage that adds to a health plan, such as coverage only for accidents, coverage for a specified disease or illness, and hospital indemnity or other fixed indemnity insurance. Federal law lists these as “excepted benefits,” a separate category from comprehensive health coverage.

How does hospital indemnity pay?

It pays a fixed dollar amount, for example a set amount for each day in the hospital, regardless of your actual expenses.

Can hospital indemnity replace my health plan?

No. It is not a substitute for comprehensive coverage.

Is this Medicare Supplement?

No. This page is about coverage alongside an individual, family or job-based health plan. If you’re on Medicare or turning 65, our Medicare site is the better place to start.

Sources: 42 U.S.C. 300gg-91, Definitions (excepted benefits) · CMS, Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage fact sheet. Coverage, price and approval are decided by the insurance company.

How it works

  1. 1

    Tell us what you need

    A few quick questions. It takes about two minutes.

  2. 2

    We review it

    Someone licensed reads every request.

  3. 3

    We reach out

    We talk it through with you. There is no obligation.

Ask about supplemental health coverage.

A licensed agent reviews your request and gets back to you. Prefer to talk? Call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.

If you request a quote, a licensed insurance agent may contact you. We use this only to respond to your request. Please give us an email or a phone number.

You may also need

  • If you request a quote, a licensed insurance agent may contact you.
  • Insurance: Coverage, price and approval are decided by the insurance company.
  • Medicare: Wolfcrest is not connected with or endorsed by the U.S. Government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 9 organizations which offer 51 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.