Your primary health insurance covers a lot — but not everything. Supplemental health plans pay cash benefits directly to you, helping cover out-of-pocket costs when illness or injury strikes.
Even with good employer-sponsored or marketplace health insurance, Americans routinely face thousands of dollars in out-of-pocket costs — from deductibles and copays to non-covered treatments, lost income during recovery, and indirect expenses like childcare and transportation.
Supplemental health insurance policies pay cash benefits directly to you — not to the hospital or doctor — giving you the freedom to use the money however you need it during a health crisis.
US Healthcare Reality: A single hospitalization can cost $30,000+ out-of-pocket. A cancer diagnosis can result in $150,000+ in uncovered expenses. Supplemental coverage is your financial safety net.
Lump-sum cash when you need it most
A critical illness diagnosis — cancer, heart attack, stroke — can turn your financial life upside down. This policy pays a tax-free lump sum directly to you upon diagnosis, giving you financial freedom to focus on recovery.
Financial protection from unexpected injuries
Accidents happen — car crashes, sports injuries, falls. Accident insurance pays cash benefits for covered injuries, ER visits, fractures, dislocations, and more — regardless of your health insurance deductible.
Cash for every day you're hospitalized
Hospital indemnity insurance pays a fixed cash benefit for each day you're hospitalized — helping offset the high cost of hospital stays, surgeries, and intensive care that exceed your primary insurance coverage.
Protect your most valuable asset — your income
Your ability to earn income is your greatest financial asset. Disability income insurance replaces a portion of your income — typically 60–70% — if you become too sick or injured to work, protecting your lifestyle and financial obligations.
If you're a Canadian living or working in California, Washington, or Texas, navigating the US healthcare system can be overwhelming. Your OHIP, BCMSP, or other provincial health coverage does NOT follow you to the USA. You need proper US coverage — and supplemental plans can fill the critical gaps left by employer health plans.
As cross-border specialists, we understand your unique situation and will help you build a complete health coverage strategy for your life in America.
Talk to a Cross-Border SpecialistGet a free, no-obligation quote from our licensed advisors. We compare top carriers to find you the best coverage at the best price.
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