Is Supplemental Health Insurance Worth It? 
Supplemental insurance can be a safety net for out-of-pocket expenses that major medical does n't cover . Major medical plans are designed to pay doctor and hospital bills , supplemental insurance is paid directly to the policyholder to cover everyday living expenses such as car payments , mortgages , and utility bills . For example : imagine a policyholderbreaks their leg . Major medical pays for the doctor and hospital bill , but this person is out of work for the next 6 weeks . Paying the everyday bills gets rough when someone is out of work , and this is where a supplemental policy comes into play . Benefits are paid directly to the policyholder regardless of any other insurance that the policyholder may have , to be used in whatever way they see fit . 