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Extra Protection for Life’s Unexpected Events

Supplemental Insurance

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Fill the Gaps in Your Coverage

At Novel Solutions, we understand that health insurance alone may not cover all of your medical expenses. That’s why we offer supplemental insurance plans to provide additional protection when life takes an unexpected turn. Whether you’re dealing with accidents, critical illnesses, or long-term care needs, our supplemental plans ensure that you have the financial support to handle the unexpected.

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Comprehensive Supplemental Insurance Plans

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Flexible Options to Meet Your Needs

Supplemental insurance is designed to cover out-of-pocket costs that your primary health insurance may not. Whether you’re an individual seeking extra protection or a business owner looking to enhance employee benefits, Novel Solutions offers a range of plans to suit your specific needs.

Our Supplemental Insurance Plans Include:

  • Accident Insurance: Covers the costs of injuries resulting from accidents, providing financial relief for hospital stays, surgeries, and recovery.

  • Critical Illness Insurance: Provides a lump sum payment if you’re diagnosed with a covered serious illness such as cancer, heart attack, or stroke.

  • Hospital Indemnity Insurance: Offers cash benefits to help cover extended hospital stays and related expenses.

  • Long-Term Care Insurance: Ensures coverage for services like nursing home care or in-home assistance for chronic conditions or disabilities.


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A man and a woman are sitting on the floor of a track.

Why Supplemental Insurance is Essential

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Comprehensive Coverage for Peace of Mind

Supplemental insurance fills the gaps that standard health insurance might not cover. Whether it's an accident, illness, or long-term care, having supplemental insurance ensures that you’re financially protected when unexpected medical costs arise.

Why it Matters:

  • Accident Coverage: Protect yourself from the financial burden of accidental injuries and hospital visits.

  • Critical Illness Coverage: Receive financial support when facing serious illnesses, helping with medical costs and living expenses during recovery.

  • Long-Term Care: Plan ahead for future care needs, ensuring that you or your loved ones are covered for long-term care services such as assisted living or nursing home care.


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Affordable Protection

Our supplemental insurance plans are designed to be affordable, providing additional coverage without adding significant cost to your overall plan.

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Customized Coverage

At Novel Solutions, we understand that everyone’s needs are different. That’s why we offer flexible supplemental plans to provide the right level of coverage for your specific situation.

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Experience You Can Trust

With over 20 years of experience, we guide you through your options and help you choose the best supplemental insurance for your needs.

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READY TO LISTEN

Get Started with Supplemental Insurance Today

At Novel Solutions, we’re dedicated to helping you find the right supplemental insurance plan to ensure you have comprehensive protection. Whether you need individual coverage or want to enhance your employee benefits, we have the right solution for you.

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  • What is supplemental insurance, and how does it work?

    Supplemental insurance is additional coverage that complements your primary health insurance. It helps cover expenses that regular insurance may not, such as deductibles, copayments, and costs associated with accidents, critical illnesses, or long-term care.

  • Do I need supplemental insurance if I already have health insurance?

    Yes, supplemental insurance can provide extra financial protection for costs that health insurance doesn’t fully cover. It’s especially helpful for unexpected situations like accidents or critical illnesses, which often come with out-of-pocket expenses not included in traditional health plans.

  • Can I get supplemental insurance as an individual?

    Absolutely! Novel Solutions offers supplemental insurance plans for individuals, ensuring you have extra protection for medical emergencies, critical illnesses, and long-term care, even if you don’t receive coverage through an employer.

  • What types of supplemental insurance are best for businesses?

    For businesses, offering supplemental insurance can enhance your employee benefits package and improve retention. Popular options include accident plans, critical illness coverage, and hospital indemnity plans, all of which provide employees with additional financial protection.
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