Supplemental Health Plans In South Carolina
Extra Protection For The Unexpected
Cash Benefits That Work With Your Medical Plan
Supplemental health insurance in South Carolina pays you directly after a covered event, which can help with deductibles, travel, child care, and everyday bills. Insurance Town SC designs add-ons that pair with marketplace policies, employer plans, or
short-term health plans so a broken wrist in Greenville or a hospital stay in Columbia does not derail your budget.
Accident Insurance
Fixed Payments For Injuries And ER Visits
Accident insurance pays a set amount for covered injuries like fractures, sprains, or ambulance rides. These plans are popular for active families in Taylors, Simpsonville, and Mount Pleasant or for anyone carrying a high deductible. We map benefits against local care costs around Prisma Health and MUSC so payouts match typical bills.
Critical Illness Insurance
Lump-Sum Support For Serious Diagnoses
Critical illness plans pay a one-time benefit if you are diagnosed with a covered condition such as cancer, heart attack, or stroke. Many South Carolina clients use the benefit to replace income during treatment, cover travel to specialists, or pay for out-of-network second opinions. We align benefits with your main plan and medications to keep costs predictable.
Other Supplemental Options
Hospital Indemnity, AD&D, And More
Hospital indemnity policies pay per day in the hospital. Accidental Death and Dismemberment can complement
life insurance for additional protection. We tailor the mix so you only pay for what you will actually use.
FAQs About Supplemental Coverage
What To Know Before Adding A Rider Or Policy
Can I buy an accident policy without medical insurance.
Yes, but it is meant to complement your health plan, not replace it.
How much do supplemental plans cost.
Premiums are often modest for meaningful benefits. We quote multiple carriers to match budget and risk level.
Will critical illness cover pre-existing conditions.
Policies have waiting periods and exclusions. We review them before you decide.
Do these plans pay me or the doctor.
Most supplemental benefits pay you, the policyholder, so you can use funds where they help most.
Can I combine supplemental plans with marketplace coverage.
Yes. We coordinate with ACA Marketplace plans to fill gaps like deductibles and coinsurance.