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Smiling woman relaxed after adding supplemental health insurance coverage in Fort Myers

Additional Coverage

Extra Protection for the Unexpected

Your health insurance is designed to cover healthcare. But an unexpected accident, serious illness or hospital stay can create expenses that reach beyond your regular health plan.

Additional coverage may provide cash benefits directly to you to help with eligible expenses.

USAble Life describes its individual supplementing (ancillary) products in exactly this general role: benefits paid directly to the policyholder that can be used for medical and nonmedical expenses.

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THREE TYPES OF ANCILLARY PROTECTION

Doctor treating an injured patient with accident insurance coverage in Sarasota

Accident Insurance

When an unexpected injury happens

Accident coverage can provide cash benefits directly to you following covered accidental injuries. Depending on the plan, benefits may apply to things such as emergency treatment, hospitalization, fractures, dislocations, burns, rehabilitation and other covered services.

Hospital patient talking with a doctor, protected by critical illness insurance in Fort Myers

Critical Illness Insurance

When a serious illness changes everything

Critical illness coverage can provide a lump-sum cash benefit following certain covered illnesses. USAble Life lists conditions and treatments including cancer, heart attack, stroke, major organ transplant, end-stage renal failure and other specified conditions.

Doctor discussing hospital indemnity insurance with a patient in Tampa

Hospital Indemnity

When a hospital stay creates unexpected expenses

Hospital indemnity coverage can provide cash benefits associated with covered hospital stays, including benefits that may apply to hospital admission, confinement, ICU care, emergency treatment, ambulance and other covered services.

Dental Coverage

Because your health doesn't stop at your medical plan.

  • Bay Insurance can help you explore dental coverage options through the Florida Blue family of companies. Florida Blue identifies its dental plans as being offered through Florida Combined Life Insurance Company, an affiliate of Florida Blue.
Patient reviewing dental coverage options with a provider in Sarasota

You Don't Have to do this Alone!

Call to Speak with an Agent Today!

800-329-1569
Insurance agent meeting with clients about Florida Blue insurance in Sarasota

Why Consider Additional Coverage?

  • Even with health insurance, an unexpected accident, serious illness or hospital stay can create out-of-pocket expenses.
  • Ancillary coverage is designed to provide an additional layer of financial protection.
  • Benefits are paid according to the policy and may help with expenses such as deductibles, copays, treatment, travel, childcare and everyday living expenses.
The USAble Life individual materials specifically state that benefits can be used for medical and nonmedical expenses, but the exact benefits depend on the policy.

Your Bay Insurance agent can help you understand what may fit alongside your health plan.

Tell us a little about what you're looking for. A licensed Bay Insurance agent will contact you to discuss your options.

* Your information will be provided to a licensed insurance agent. You may be contacted by a licensed insurance agent.
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