Since most insurance policies do not cover vitamin supplements and alternative medical therapies, supplemental health insurance is necessary. Continue reading to find out what they are and which supplemental health insurance plans are the best.

What is a supplemental health insurance plan?
Supplemental health insurance is any plan that covers costs that standard health policies typically do not cover. Simply put, it provides extra coverage, paying for things like coinsurance, copays, or deductibles. These plans could be dental plans or cover critical illnesses, ophthalmological costs, accidental death, dismemberment insurance, or even hospital indemnity plans. There are also disability plans, long-term care, and travel health insurance that traditional health care policies do not cover. Remember to find a plan that complements your primary health insurance, with fewer overlaps but gives you the most comprehensive coverage.

Mutual of Omaha
A company started in 1909, Mutual of Omaha is an excellent platform to obtain supplemental health insurance. The interface is smooth and uncomplicated, with in-depth information provided in an easy-to-follow manner. There are comparison charts for different health insurance plans, allowing you to pick the best possible one. They present customer reviews, too, enabling you to get honest reviews. However, the payment process is rather tedious, and there is no app for the service. You can select from three different plans with varying coverage. The Mutual of Omaha offers you a 7% discount if your spouse or domestic partner applies with you. You can contact them either online or over the phone for an accurate quote on the supplemental health insurance plan.

Humana
A user-friendly, self-explanatory website makes Humana one of the most popular Medicare supplement policies. There is a comprehensive yet straightforward introductory page, helping you understand all the details. However, not all states enjoy Humana’s outstanding service, and, in addition, the deductibles are higher than most plans. There is a display of the coverage details organized by ZIP code, and you need not enter any personal information to get a quote. You can use the contact numbers on the website to get your doubts clarified or request an appointment with a Humana Medicare agent if you wish to speak to one personally. There are PDFs on the website giving detailed information on all the supplemental health insurance plans they offer. There is a MyHumana App for Android and iOS, allowing you to access your insurance plan from anywhere.

Aetna
Aetna offers several Medicare supplement health insurance plans – including Parts A, B, C, D, F, G, and N. Generally, too many choices are not a good thing as it can be confusing. But the company’s website makes it simple to understand by presenting information in multiple formats like PDF, print, and over the phone. Insurance coverage is available throughout the country and even in some foreign countries. However, you cannot get a price estimate without entering your personal information. Also, state-based coverage is a little complicated. Owned by CVS Health Corporation, Aetna is undoubtedly an excellent supplementary health insurance provider. Aetna Health is an app that helps tracks your account information, while Attain by Aetna encourages you to follow healthy habits. Both applications are available on the Play Store and the App Store.

Cigna
The best premium discounts for healthy policyholders as well as households with multiple policies come from Cigna. With a 24/7 helpline staffed with trained nurses, this insurance company provides customer education and easy-to-understand information. However, the plan options are fewer than other insurance companies, and they do not reveal pricing without your personal information. There is an itemized breakdown of each plan as well as a neatly presented comparison chart. Cigna’s parent company began in 1792, making it a well-established company. There are three apps all available on both Android and iOS platforms.