Out-of-Pocket Protection: Cover What Your Health Plan Doesn’t

Even with health insurance, deductibles, copays, and coinsurance can add up quickly. Out-of-pocket protection products pay cash when you use covered medical services, helping you afford care without draining savings.

How it helps

• Offset deductibles: Cash for doctor visits, labs, imaging, and hospital care.
• Predictable budgeting: Know the indemnity amount for each service type.
• Stacks with major medical: Benefits are yours to use as needed.
• Family coverage: Protect everyone on your household plan.

Good fit if you have

• A high-deductible health plan (HDHP)
• Frequent specialist or therapy visits
• Limited emergency savings

Pair out-of-pocket protection with your primary insurance for stronger financial security.