A supplemental health insurance plan supplements existing health insurance plans held by an insured. Certain covered expenses may not be reimbursed under the insured's existing heath insurance plans, either because of internal limits in the plan, or because they are not covered by the plan. A supplemental health insurance policy covers these expenses. Comprehensive Health Insurance Plans Comprehensive health insurance plans cover all types of health care services and supplies. The reimbursement formula applies to the total covered expenses subject to a deductible.
Most comprehensive plans are simple in design and minimize confusion in terms of multiple coverages.
Most comprehensive health insurance plans cap the maximum annual out-of pocket expenses paid by an individual or a family. These are individual health insurance plans that pay a number of benefits up to large maximums specifically for the treatment of a disease named in the plan. Diseases normally covered include cancer, diabetes, stroke and heart disease. These plans normally cover hospital stay and specific medical procedures such as chemotherapy. Neither Medicare nor regular health insurance plans cover these types of expenses.