Supplemental Insurance

Ease your mind with extra coverage. You might already have health insurance, but it might not be enough to cover costs associated with certain health conditions or dental or vision needs.

Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover. It can help with doctor bills, hospital stays and even some non-medical expenses if you’re dealing with an accident, disability, cancer or critical illness. Some supplemental plans may provide you with a cash benefit paid out over a period of time or given to you in one lump sum.

Although supplemental insurance policies are not overly expensive, duplicate coverage may not be necessary in your case. If you think you would benefit from supplemental insurance, get in touch with your local GCB agent to go over the types of insurance available, analyze the costs and help you select a plan that will provide you peace of mind.



Hospital Idemnity

Hospital Indemnity Insurance can help you focus more on your recovery and less on your finances. It can complement your medical coverage by helping to ease the financial impact of a hospitalization by providing a lump sum payment that can be used as you see fit for hospital admission, accident-related inpatient rehabilitation and extended hospital stays.


Cancer Supplemental

Cancer insurance conceptually is very simple. Benefits are paid directly to you regardless of any other insurance you may have. Cancer insurance policies supplement existing health insurance policies. You can use the benefits to help pay for all of the extra costs associated with your cancer treatment, including deductibles, co-pays and annual caps.


Dental & Vision

Most people realize the importance of having a good health care plan. But often, many people neglect the other aspects of health care because of the costs involved.  You only have one pair of eyes, ears, and one set of permanent teeth that will need to last you a lifetime. The importance of good vision, hearing and dental care cannot be stressed enough.


Here are a few questions and answers to get you started. Visit for in-depth information and articles on specific topics.

Supplemental health insurance is usually sold as a package. Game Changing Benefits has two packages available – Hospital Indemnity with Dental & Vision as a rider and Cancer with Dental & Vision as a rider.

It is possible to buy stand-alone products but the coverage is usually not as good as the package deals and is often much more expensive.

Supplemental insurance is less expensive (up to 50%) and works well for those on a fixed or limited income. Benefits are paid to the policyholder, you own the insurance, and there are no changes from year to year.

Hospital Indemnity covers what major medical, Medicare or Medicare Supplemental insurance does not cover, including: experimental treatments, caregivers taking care of older parents or pets while you are in the hospital, and other services.

Cancer treatment costs present a significant financial burden for almost all patients. Even if the patient has health insurance, there will most likely be deductibles, co-pays, and annual or lifetime caps to pay.

Some plans offer a lump sum ($5k to $100k) depending on the plan purchased. This plan pays what major medical does not pay if you are diagnosed with any cancer, except basal cell. Coverage can include deductibles, transportation costs, lodging/board, skilled nursing care, custodial care and experimental treatments.

Some plans work more like an indemnity product, where the insured gets reimbursed for covered services. These plans are generally very inexpensive.

Not all cancer treatments are covered by Medicare. Per the Medicare website:  Your doctor or other health care provider may recommend you get services more often than Medicare covers. Or, they may recommend services that Medicare doesn’t cover. If this happens, you may have to pay some or all of the costs. It’s important to ask questions so you understand why your doctor is recommending certain services and whether Medicare will pay for them.

The average out of pocket cost is just over $8,000.00 per year.

3 out of 4 married couples (75%) will be impacted by cancer.

Dental and vision services are not covered by Medicare Supplemental insurance. Some services are covered by Medicare Advantage plans but are usually very limited. Even if you have dental or vision insurance, this product can help cover the gaps. It has an annual maximum that renews every year, is guaranteed renewable since you own the policy, and there are no networks – the policy pays as long as the service is done. Services can be basic or major. Often major services are only covered 50% by other insurance policies – this product helps cover that difference.

Since Medicare does not provide dental coverage except in rare circumstances where you are hospitalized, you should consider insurance plans that provide up to $1,200 per year in dental / vision coverage, do not require a network, and have up to $325 in annual wellness benefits. Some insurance plans also provide up to $200.00 in prescription eye wear benefits annually.

Visit our Supplemental Health Resources page for more information, resources and articles on the types of plans available.