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secondary health insurance
Secondary Health Insurance Cash Benefit Plans
Secondary health insurance plans can pay direct cash benefits to the insured for covered events such as accidents, hospital stays, emergency room visits, cancer, heart attack, stroke, and other serious health situations. These benefits can help pay your health insurance deductible, copays, max out-of-pocket costs, and other expenses that come with an unexpected medical event.
Pays Cash Directly to You
Many secondary benefit plans pay cash benefits directly to the insured, giving you flexibility to use the money where it is needed most.
Helps Cover Out-of-Pocket Costs
Cash benefits can help offset deductibles, copays, coinsurance, and even your health insurance max out-of-pocket exposure.
Designed Around Your Risk
Atlas Benefits uses several different insurance companies to help design a plan based on your health coverage, budget, family needs, and potential exposure.
What Can a Secondary Health Plan Help With?
These plans are commonly used to add another layer of financial protection on top of your major medical health insurance.
Accidents
Accident plans may pay benefits for injuries, fractures, dislocations, ambulance rides, urgent care, emergency room visits, or follow-up care.
Hospital Stays
Hospital indemnity benefits may help pay for hospital admission, daily hospital confinement, ICU stays, or related covered services.
Emergency Room Visits
Some plans provide cash benefits for covered emergency room visits, helping offset high ER copays or other unexpected costs.
Cancer, Heart Attack & Stroke
Critical illness plans may pay a lump-sum cash benefit after a covered diagnosis such as cancer, heart attack, stroke, or other serious illness.
Why Direct Cash Benefits Matter
Even good health insurance can still leave you responsible for thousands of dollars in out-of-pocket costs. A secondary cash benefit plan can help create a financial cushion when medical bills, missed work, travel, childcare, or household expenses become a burden.
Use It for Medical Costs
Benefits can help pay deductibles, copays, coinsurance, prescription costs, or your max out-of-pocket amount.
Use It for Everyday Bills
Cash can also be used for rent, mortgage payments, groceries, utilities, transportation, or childcare.
Use It for Extra Protection
If designed properly, the benefits may help cover your health plan’s max out-of-pocket amount and then some.
Common Types of Secondary Health Plans
Accident Insurance
Helps provide cash benefits after covered accidental injuries and related treatment.
Hospital Indemnity
Helps provide cash benefits for covered hospital admissions, stays, and related services.
Critical Illness
Pays benefits after covered serious conditions such as cancer, heart attack, stroke, or other qualifying diagnoses.
Cancer Coverage
May provide benefits related to covered cancer diagnosis, treatment, travel, hospital care, or other related expenses.
How Atlas Benefits Designs Your Plan
- Review your current health insurance deductible and max out-of-pocket
- Compare multiple secondary insurance companies
- Evaluate accident, hospital, cancer, and critical illness options
- Design coverage around your budget and financial exposure
- Help build a plan that complements your primary health insurance
Built Around Your Real Risk
The right secondary plan depends on your primary health insurance, your max out-of-pocket exposure, your family situation, and your budget. Atlas Benefits helps compare several companies and benefit designs so your protection is built around your real-life needs.
Add a Cash Benefit Layer to Your Health Insurance
Atlas Benefits can help you compare secondary cash benefit plans and design coverage that helps protect you from the out-of-pocket costs your primary health insurance may leave behind.
Request a Secondary Plan ReviewBenefits, exclusions, limitations, underwriting, benefit amounts, and availability vary by carrier, product, age, health, and state. Cash benefit plans are supplemental coverage and are not a replacement for major medical insurance.
Secondary health insurance can provide an additional layer of financial protection by helping offset the out-of-pocket costs that often come with accidents, hospital stays, serious illnesses, and unexpected medical events. Atlas Benefits works with multiple insurance companies to customize a supplemental protection strategy that helps safeguard your finances and gives you greater peace of mind when life doesn't go according to plan.
We may not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.