What type of insurance typically complements primary insurance?

Supplemental insurance is designed to provide additional financial protection beyond what primary insurance offers. This type of insurance helps cover gaps in coverage and can be especially important for out-of-pocket expenses that arise from deductibles, copayments, or services not fully covered by the primary policy.

For instance, a primary health insurance plan may cover a portion of a hospital stay, but supplemental insurance could assist with the remaining costs, such as co-pays or other medical expenses. Supplemental policies are often associated with specific needs, like critical illness, accident, or dental coverage, which helps to further expand the insurance benefits available to the policyholder.

Understanding this relationship is crucial because it highlights how supplemental insurance serves as a safety net, allowing individuals to better manage their healthcare expenses without the full financial burden falling solely upon their primary insurance.