Supplemental Insurance in Colorado
EXTRA PROTECTION
Health plans don’t cover everything—and unexpected costs add up fast. Supplemental coverage can help you manage out-of-pocket expenses and income gaps when life happens.
Local Colorado brokers (Broomfield-based; statewide support)
Options for individuals and employer/employee benefits
Clear comparisons: what’s covered, how benefits are paid, and when they apply
Support beyond enrollment (questions and claims navigation)
Start Here
Choose the situation that matches you best.
I want help with unexpected medical bills
Best for:
Accident, hospital indemnity, or critical illness coverage.
I want income protection
Best for:
Short-term and long-term disability coverage.
I want dental (and possibly vision
Best for:
Routine care and major dental planning.
I want travel protection
Best for:
Trip cancellation/interruption, travel medical, evacuation, and baggage coverage.
I’m an employer building a benefits package
Best for:
Voluntary benefits employees can opt into (often payroll-deducted).
What is supplemental insurance?
Supplemental insurance is optional coverage that can help “fill gaps” your primary health plan may not cover—like deductibles, copays, coinsurance, lost income, or certain everyday expenses.
What it is NOT:
Supplemental insurance is not a replacement for major medical coverage. It’s designed to add extra protection.
How benefits are commonly paid (varies by plan):
- Some plans pay cash benefits directly to you for covered events
- Some plans reimburse certain covered expenses
Coverage, waiting periods, benefit amounts, and eligibility vary by carrier and policy. We’ll confirm details for your situation during a consult.
Core supplemental options
Accident Insurance
What it can help with:
Unexpected out-of-pocket costs after a covered injury (for example: ER visits, treatment, transportation, follow-up care).
Why people choose it:
- Helps reduce financial shock after an accident
- Can complement major medical and other coverages
How it typically works:
If a covered accident occurs, the policy may pay a benefit based on the event/injury (terms vary).
Critical Illness Insurance
What it can help with:
Expenses that can follow a serious diagnosis—medical and non-medical (terms vary by policy).
Why people choose it:
- Helps create financial breathing room during recovery
How it typically works:
If a covered diagnosis occurs, the policy may pay a lump-sum or scheduled benefit (varies by plan).
Hospital Indemnity Insurance
What it can help with:
Costs associated with covered hospital stays that may not be fully covered by major medical.
Why people choose it:
- Adds extra financial support during a hospitalization
How it typically works:
May pay a set benefit for a hospital admission and/or daily confinement amounts (terms vary).
Disability insurance: protect your income
Disability insurance is designed to help protect income if you can’t work due to illness or injury.
Short-term disability (STD)
Typically designed for shorter absences (often weeks to a few months; rules vary).
Long-term disability (LTD)
Designed for longer periods when you can’t return to work for an extended time (rules vary).
What we help you evaluate:
- How much income you want to protect
- Waiting periods and benefit periods
- How employer coverage and supplemental coverage can work together
Dental insurance
Why it matters:
Dental care is a common out-of-pocket expense. Dental coverage can help make routine and major care more predictable.
Common plan types (general):
- Preventive/basic coverage (cleanings, exams, fillings)
- Major services coverage (crowns, root canals, sometimes orthodontics)
Important note:
Waiting periods and coverage levels vary by plan and carrier.
Travel insurance
Travel insurance can help manage risk for covered events before or during a trip. Coverage varies, but often includes:
- Trip cancellation/interruption (covered reasons)
- Travel medical (especially important in high-cost destinations)
- Emergency evacuation
- Baggage and personal item loss/theft (limits apply)
For employers: voluntary supplemental benefits employees can opt into
Why employers add supplemental benefits:
- Helps employees manage out-of-pocket costs
- Can increase perceived value of the benefits package
- Often offered as voluntary options alongside group medical
Popular employer add-ons (examples):
- Accident
- Critical illness
- Hospital indemnity
- Disability
- Dental and vision (depending on package)
What we help with:
- Choosing benefit options that match your workforce
- Clear employee communication and enrollment support
- Ongoing support for changes and renewals
For individuals: choosing the right mix
A simple way to decide:
- If you worry about unexpected injuries → start with Accident
- If you want extra support for hospital stays → consider Hospital Indemnity
- If you want diagnosis-based protection → consider Critical Illness
- If you want income protection → consider Disability
- If dental costs are your biggest out-of-pocket category → consider Dental
How it works
Related services
Individual & Family Health Insurance
Need primary medical coverage first?
Employer Group Benefits
Building a full benefits package?
Life Insurance
Planning long-term financial protection?
Frequently Asked Questions
Is supplemental insurance worth it?
It depends on your budget, risk tolerance, and what gaps you want to cover. We’ll help you compare options and decide what’s practical.
Does supplemental insurance replace major medical coverage?
No. Supplemental plans are designed to complement major medical coverage, not replace it.
Do these plans pay me or the doctor/hospital?
Some supplemental policies pay benefits directly to you. Others may reimburse covered expenses. It depends on the plan.
Can employers offer supplemental benefits as voluntary options?
Yes. Many employers offer voluntary benefits employees can choose to add, often alongside group medical coverage.
What do I need to get an accurate quote?
Typically your zip code, age(s), and which types of coverage you want (accident, critical illness, disability, dental, etc.).
How do I get started?
Book a consult or call (303) 466-9575
Talk to a Colorado supplemental insurance advisor
Tell us what you’re trying to protect—unexpected medical bills, income, dental costs, or travel—and we’ll recommend the cleanest next step.
Important information
- Information on this page is for general guidance and isn’t medical, legal, or tax advice.
- Coverage, waiting periods, exclusions, and benefit amounts vary by policy and carrier.
- We’ll confirm what’s available and appropriate for your situation during your consultation.
