Supplemental health benefits have become more in demand as people continue to face unexpected out-of-pocket medical costs. Benefits like hospital indemnity, critical illness and accident insurance "supplement" a person's health insurance and help pay for unexpected costs when someone faces a health event or injury. The availability of supplemental health benefits gives employees more financial security, peace of mind, and it allows them to build a benefits portfolio that meets their unique needs.

Products and pricing

Key question to ask: What extra value are my employees getting if I offer more benefits?

Every workforce is different – ages, backgrounds, family needs – and "off the shelf" products are not always the best solution. Supplemental benefits should enhance your core offerings, giving employees the option of more comprehensive coverage that covers a broad range of major health events. An enhanced benefits package is a powerful tool for talent recruitment and retention, and it builds morale when employees feel supported by their employer. Work with a provider partner that can customize and offer benefits that meet the unique needs of your workforce and complement the design of employees' medical plans.