What is supplemental insurance? Supplemental health insurance coverage helps to pay for the deductibles, copayments, and/or coinsurance of a medical claim. Even though it doesn’t replace your primary insurance or double your benefits, it helps cover costs that might otherwise be left for you to pay. Supplemental plans may cost as low as $12 per month for an individual or $30 for a family. However, it is an added cost that you need to consider.
Your AAA is full of information that can help you with this consideration, with articles on subjects from supplemental dental insurance to supplemental health care for Medicare, also known as “Medigap.”
AAA has its own supplemental Medicare insurance, which you can learn about here.
The Supplemental Health section of Your AAA can also help with other areas of medical care. Check out our article on how to find a general practitioner if you need a new go-to aid for everyday health care problems. There are also pieces on how to find a podiatrist, how to find a chiropractor, and even how to find a pediatrician.
We even have information about when it’s appropriate to go to an urgent care clinic instead of an emergency room or your doctor’s office. Urgent care does not rise to the level of emergency care. But urgent care facilities can serve as a bridge to your primary care physician or an emergency room if the working physician’s assistant deems it necessary.
Trying to decide if long-term care insurance should be part of your financial plan? We have an article on that. Knowing these things in advance will help you be relaxed and confident when the time comes to make these important decisions. You can also learn about COBRA health insurance, which can be a great option for those who have recently lost their job or who have lost health care due to reduced hours.