Supplemental & Living Benefits
Major medical health insurance pays doctors and hospitals—it does not pay your mortgage, payroll, or everyday family expenses. We deploy specialized supplemental indemnity contracts that pay direct, unassigned cash to policyholders during severe health events to to mitigate and offset high-deductible exposure.
The Deductible & Cash-Flow Gap
Modern health plans feature annual out-of-pocket maximums ranging from $5,000 to $10,000+ per individual. If an unexpected critical diagnosis, hospitalization, or severe accident occurs, you are immediately forced to absorb those deductibles out of liquid savings—frequently while unable to work. Supplemental living benefits act as an immediate liquidity buffer, paying direct cash benefits straight to your bank account regardless of what other insurance you maintain.
Critical Illness & Cancer
Lump-Sum Cash Capital
Delivers a direct lump-sum cash benefit (typically $10,000 to $100,000+) upon first diagnosis of invasive cancer, heart attack, stroke, major organ failure, or paralysis. Use funds freely for living expenses, out-of-network experimental treatments, or debt mitigation.
- ■ Lump-Sum First-Diagnosis Payouts
- ■ Cancer, Stroke, and Cardiac Triggers
- ■ Unrestricted Cash Distribution
Accident & Trauma Expense
Emergency Cost Offsets
Offsets emergency room, urgent care, and physical therapy bills resulting from sports, vehicle, or household injuries. Pays structured cash indemnities for ambulance transport, X-rays, MRI scans, fractures, dislocations, and accidental dismemberment.
- ■ Emergency Room & Urgent Care Cash
- ■ Diagnostic Imaging & Fracture Indemnity
- ■ 24/7 On- and Off-the-Job Coverage
Hospital Inpatient Indemnity
Daily Inpatient Cash Benefits
Pays a fixed per-day cash indemnity for every day spent confined to an inpatient hospital bed, intensive care unit (ICU), or outpatient surgical facility. Pairs seamlessly with high-deductible health plans and Medicare Advantage to eliminate daily hospital copays.
- ■ Direct Daily Hospital Confinement Cash
- ■ ICU and Observation Stay Riders
- ■ Outpatient Surgical Facility Offsets
Individual Disability Income
Paycheck Replacement Protection
Your ability to earn an income is your most valuable asset. Individual Disability Income (DI) contracts replace up to 60–70% of gross earned salary on a tax-free basis if an illness or accident leaves you unable to perform your professional occupational duties.
- ■ True "Own-Occupation" Definitions
- ■ Short-Term and Long-Term Benefit Periods
- ■ Non-Cancelable & Guaranteed Renewable
Standalone Dental & Vision Networks
Comprehensive Oral & Optical Healthcare
Major medical plans fundamentally exclude routine and major dental procedures. We structure standalone individual and family PPO dental plans with annual benefit maximums up to $3,000–$5,000+, covering preventive cleanings, crowns, root canals, and implants—paired with comprehensive vision networks.
*Supplemental insurance policies (including Critical Illness, Accident, and Hospital Indemnity) are limited-benefit health insurance contracts. They are not comprehensive major medical insurance and do not satisfy federal minimum essential coverage requirements under the Affordable Care Act.
*Benefits, benefit maximums, waiting periods, and pre-existing condition exclusions vary by issuing carrier, state of residence, and specific contract terms. Disability income benefits received from individual policies paid with after-tax dollars are generally received income-tax-free under IRC § 104(a)(3). Heritage Hills Insurance Brokerage, LLC does not provide tax or legal advice.
Audit Your Out-of-Pocket Exposure
Our independent desk models your existing health deductibles to engineer a custom supplemental cash-flow shield for you and your family.