Supplemental Coverage · California
🩺 The Cash Safety Net Under Your Health Plan
Major medical pays the hospital. It doesn’t pay your deductible, your mortgage, or the paycheck you miss while you’re out. These six plans pay you — direct cash, no restrictions on how you spend it.
🧾 What does supplemental insurance actually pay for?Basics
Underwritten by Golden Rule Insurance Company (a UnitedHealthcare company), these plans pay a fixed, pre-set cash benefit — paid directly to you — when a covered event happens: a hospital stay, an ER visit, a major diagnosis, a dental cleaning. The check doesn’t go to the hospital first. It comes to you, and you decide whether it covers the deductible, the mortgage, or the gap in between.
🙋 Do I need major medical insurance first?Eligibility
No. Every plan below is sold on a standalone basis — enroll with or without a major medical plan in place, any time of year, without waiting on an Open Enrollment window.
📋 The six ways these plans close the gapCoverage
- 💳 Fixed Indemnity — set cash per doctor visit, lab test, or prescription
- 🏨 Hospital Indemnity — daily or lump-sum cash for a covered hospital stay
- 🩺 Critical Illness — lump sum on a first diagnosis of cancer, heart attack, or stroke
- 🚑 Accident — cash for ER visits, fractures, and follow-up physical therapy
- 🦷 Dental — routine cleanings plus major work, no waiting period on most plans
- 👁️ Vision — exams, glasses, and contacts
💵 Who actually receives the check?Payouts
You do. These are indemnity-style cash plans — the carrier pays you directly, not the provider — so the money can go toward a deductible, payroll, rent, or whatever the real cost turns out to be.
⚠️ What these plans are notFine Print
None of these are major medical insurance, and none satisfy the ACA’s Minimum Essential Coverage requirement on their own. They sit underneath or alongside a primary health plan — not in place of one. Exact benefits, waiting periods, and availability vary by state and by the specific plan and rider selected.