Why Should I Think About Supplemental Insurance?
Supplemental insurance can provide peace of mind when life takes an unexpected turn. At RBN Insurance LLC, we offer a range of plans—including Cancer Insurance, Critical Illness Insurance, Hospital Indemnity, Short-Term Care, and Final Expense Insurance —designed to help protect you and your family from the financial stress that can come with unexpected events or emergencies. These policies work alongside your primary health insurance to fill in the gaps, offering extra support when you need it most. Whether you're facing a serious diagnosis or recovering from an accident, our supplemental coverage helps ensure you're not facing it alone.
Together, these policies provide comprehensive protection to help individuals and families navigate unexpected healthcare costs with confidence.
Important Supplemental Insurance to Consider
Hospital Indemnity Insurance
Hospital indemnity insurance provides cash benefits for hospital stays, helping to cover expenses that regular health insurance may not fully pay. When you are admitted to a hospital due to illness, injury, or surgery, this policy pays a fixed daily, weekly, or lump-sum benefit directly to you, allowing flexibility in how the funds are used. The payout can help with deductibles, copays, transportation, lodging, or even household bills while you recover. Many Medicare Advantage enrollees use hospital indemnity insurance to offset high hospital costs that their plan may leave them responsible for. This type of coverage is an affordable way to gain extra financial security in case of an unexpected hospital stay.
Cancer Insurance
Cancer insurance is a type of supplemental insurance designed to help cover the unexpected costs associated with a cancer diagnosis that may not be fully covered by traditional health insurance. It provides lump-sum payments or reimbursement for expenses such as chemotherapy, radiation, surgery, hospital stays, and specialized treatments. Some policies also help with non-medical expenses, including lost income, transportation to treatment centers, and home care support. While health insurance covers many cancer treatments, cancer insurance helps with out-of-pocket costs, deductibles, and other financial burdens, offering an extra layer of protection and peace of mind.
Home Health Insurance
Home health insurance helps you stay comfortable and cared for in the place you know best—your own home. This coverage provides financial support for in-home services such as skilled nursing, therapy, or assistance with daily activities, ensuring you receive the right level of care without the stress of unexpected costs. We’ll guide you in choosing a plan that fits your health needs and lifestyle, so you can focus on living well with confidence and peace of mind.
Short-Term Care Insurance
Short-term care insurance is designed to provide temporary coverage for individuals who need care due to an illness, injury, or recovery from surgery but do not require long-term care. It typically covers stays in nursing homes, assisted living facilities, home health care, or rehabilitation centers for periods ranging from a few months to one year. Unlike long-term care insurance, short-term care policies have lower premiums, fewer underwriting requirements, and faster benefit payouts, making them a more accessible option for many individuals. This type of insurance is ideal for filling gaps in Medicare or other health plans, ensuring financial support while you regain your independence.
Final Expense Insurance
Final expense insurance is designed to ease the financial burden on your loved ones during a difficult time. This coverage helps pay for end-of-life costs such as funeral arrangements, medical bills, or outstanding debts, ensuring your family can focus on healing instead of unexpected expenses.