Telemedicine & Supplemental Health Filling the gaps in your coverage
Even with health insurance, deductibles, copays, and out-of-pocket costs add up. Supplemental health products and telemedicine access provide financial protection and convenient care your primary plan may not fully deliver.
Healthcare without the wait
Connect with licensed physicians, therapists, and specialists by video or phone — 24 hours a day, 7 days a week. No waiting room, no office visit, no driving across town.
24/7 Virtual Care
Connect with a board-certified physician by video or phone for colds, infections, rashes, UTIs, allergies, and hundreds of other non-emergency conditions — 24 hours a day, 7 days a week.
Mental Health Teletherapy
Virtual therapy and psychiatry accessible within days, not weeks. Licensed therapists and psychiatrists by video for anxiety, depression, stress, and other mental health needs.
Prescription Services
Telemedicine physicians can prescribe medications for many common conditions, sending prescriptions directly to your pharmacy — no office visit required.
Chronic Condition Coaching
Dedicated programs for managing diabetes, hypertension, heart disease, and other chronic conditions with coaching, monitoring, and care coordination.
Dermatology & Specialty
Virtual dermatology consultations, nutrition counseling, and other specialty services with shorter wait times than in-person specialists.
Cost vs. Office Visits
Telemedicine visits typically cost $0–$75, compared to $150–$350 or more for in-person primary care and $200–$500 for urgent care.
Supplemental health coverage
Supplemental products pay cash benefits directly to you on top of what your health insurance pays — covering the out-of-pocket costs that remain after your primary plan has done its part.
Accident Insurance
Pays a lump sum or schedule of benefits when you or a covered family member is injured in a covered accident — regardless of what your health insurance pays.
- Pays on top of health insurance
- Fracture, dislocation, burn benefits
- ER visit and hospitalization benefits
- Available for individuals and families
Critical Illness
Pays a lump sum benefit upon diagnosis of a covered critical illness. Use the money however you need: bills, treatment, travel for care, or everyday expenses.
- Lump sum at diagnosis
- Cancer, heart attack, stroke, and more
- Use funds however needed
- Supplements health insurance gaps
Hospital Indemnity
Pays a fixed daily benefit for each day of hospitalization — in addition to whatever your health insurance pays. Helps cover deductibles, lost income, and everyday expenses.
- Daily cash during hospitalization
- ICU benefit often higher daily rate
- Works with any health plan
- Admission benefit on many plans
Gap Insurance
Specifically designed to cover your health plan deductible and coinsurance so a hospitalization doesn't leave you with thousands in out-of-pocket costs.
- Covers your deductible
- Covers coinsurance after deductible
- Predictable out-of-pocket protection
- Pairs well with HDHPs
Cancer Insurance
Specialized coverage for cancer-related costs including diagnosis, treatment, travel for care, and ongoing monitoring.
- First diagnosis benefit
- Treatment and chemotherapy costs
- Radiation and surgery benefits
- Experimental treatment options
Frequently asked questions
What you need to know about telemedicine plans and supplemental health coverage.
Most health insurance plans include some telemedicine benefit — but the cost-sharing, available services, and platforms vary significantly. A standalone telemedicine plan supplements your health insurance or provides access if you don't have comprehensive coverage.
Health insurance covers a broad range of medical costs with deductibles, copays, and networks. Supplemental insurance pays benefits directly to you — cash or a fixed benefit — regardless of what your health insurance pays. It's designed to cover the gaps, not replace health insurance.
Even good health plans have deductibles and out-of-pocket costs. If a hospitalization would create significant financial strain, supplemental coverage provides a meaningful financial safety net at a relatively low premium.
Yes. Most accident, critical illness, and hospital indemnity plans are available regardless of whether you have health insurance. They pay benefits based on covered events — not on what a health plan pays.
Critical illness insurance covers a broad list of conditions including cancer, heart attack, stroke, and organ failure — paying one lump sum at diagnosis. Cancer insurance is specifically focused on cancer and often provides more comprehensive benefits across the full treatment journey, including treatment costs, travel, and experimental options.
Close the gaps in your coverage.
Supplemental health and telemedicine plans provide the financial protection and care access your health plan may not fully deliver.