SUPPLEMENTAL INSURANCE

Understanding Supplemental Insurance

Your health insurance covers a lot — but not always everything. That’s where supplemental insurance comes in.

As the name suggests, supplemental insurance works alongside your traditional health plan to help cover the costs your main policy doesn’t — like deductibles, copays, and coinsurance. It’s an extra layer of protection that helps you worry less about unexpected medical bills and focus more on what matters: your health.

At CasaBlanca Insurance, we’re here to help individuals, families, and businesses across Texas understand how supplemental plans work — and whether they’re the right fit for you.

Who Should Consider Supplemental Coverage?

There’s no one-size-fits-all answer when it comes to supplemental insurance. The right coverage depends on your age, health needs, and the type of insurance you already have.

• For Individuals and Families: Most people under 65 have major medical insurance that provides solid coverage. However, if you face ongoing or high medical expenses, supplemental coverage can help bridge the gaps your main plan leaves behind.

• For Medicare Recipients: Supplemental insurance (often called Medigap) is highly recommended for most people on Medicare. Since Medicare doesn’t cover 100% of medical costs, a supplemental plan helps pay for what’s left — giving you peace of mind and predictable out-of-pocket expenses.

In short: supplemental insurance isn’t for everyone, but for those who need it, it can be a financial lifesaver.

Why Supplemental Coverage Matters

Medical costs can add up quickly, even with solid insurance. A supplemental plan can help cover:

• Hospital stays and specialized treatments

• Deductibles or coinsurance amounts

• Critical illness or accident-related expenses

• Recovery costs that fall outside your main policy

These plans are offered through private insurance companies and aren’t part of the federal health insurance marketplace. That means they’re designed to complement your existing coverage — not replace it.

Your Partners in Clarity and Care

Navigating health coverage can get complicated, but that’s what we’re here for. At CasaBlanca Insurance, our agents take the time to explain your options in plain language, compare plans, and find coverage that fits your health needs and budget.

Because insurance shouldn’t be confusing — it should be comforting.

💬 Connect with a CasaBlanca Insurance agent today to see how supplemental insurance can strengthen your financial safety net and give you peace of mind for the road ahead.