Supplemental Insurance Policies
Insured by Loyal American Life Insurance Company
Cash to help pay expenses not covered by your primary health insurance. Policies start at around $10/month. †
Shop and compare plans now
Or call
8 am - 8 pm ET, 7 days a week
Why choose supplemental insurance?
Your primary health insurance may not cover all expenses
Supplemental insurance policies can help you pay for out-of-pocket medical expenses such as copays and deductibles when a serious illness or accident happens.
Household expenses don’t stop for an accident or illness
Supplemental policies pay benefits directly to you, unless otherwise assigned, to help with everyday expenses such as utility bills, groceries, and childcare.
More cost-effective than you may think
For a monthly premium around $1 per day in most cases, these policies can help provide peace of mind when the unexpected occurs.
Types of supplemental health insurance we offer
Lump Sum Heart Attack and Stroke Insurance
Cost: around $19/month†
Lump Sum Cancer Insurance
Cost: around $19/month†
Cancer Treatment Insurance
Cost: around $18/month†
Hospital Indemnity Insurance
Cost: around $10/month†
Accident Treatment Insurance
Cost: around $15/month†
Whole Life Insurance
Cost: around $28/month†
When can you buy Supplemental Insurance?
- When the health coverage you may get through an employer doesn't include supplemental insurance options—you can buy your own.
- When you have to buy health coverage on your own and want to add a supplemental policy.
- If you have a Medicare Supplement plan and want to add a supplemental policy.
- You can buy supplemental insurance policies at any time of the year. Shop our policies online, anytime.
Often bought together
Premium estimates based on the following criteria:
- Lump Sum Heart Attack and Stroke Insurance premium based on the individual rate for a 40 year old in Alabama with a $20,000 benefit amount. Individual rates will vary based on your state, age at time of issue, coverage type and the benefit amount you select. Rates are subject to change.*
- Lump Sum Cancer Insurance premium based on the individual rate for a 40 year old in Alabama with a $20,000 benefit amount. Individual rates will vary based on your state, age at time of issue, coverage type and the benefit amount you select. Rates are subject to change.*
- Cancer Treatment Insurance premium based on the individual rate for a person in Alabama, between the ages of 40-44, with a $500/day hospitalization benefit (5 units of coverage). Individual rates will vary based on your state, age at time of issue, coverage type and the benefit option you select. Rates are subject to change.*
- Hospital Indemnity premium based on the individual rate for a 65-year-old in Alabama with a 6 day, $100 hospital confinement benefit. Individual rates will vary based on your state, age at time of issue, coverage type, and the benefit amount you select. Rates are subject to change.
- Accident Treatment Insurance premium based on the individual rate for a 40 year old in Alabama with the Basic plan option, Class 2. Individual rates will vary based on your state, age at time of issue, coverage type and the benefit amount you select. Rates are subject to change.*
- Whole Life Insurance premium based on the Level Benefit Plan individual rate for a female non-tobacco user in Alabama, age 55, with a $10,000 benefit amount. Individual rates will vary based on your state, age at time of issue, sex, tobacco status and the benefit amount you select. Rates are subject to change.* Unisex rates apply to Montana only.
† Rates are illustrative only. Please do not submit money. You must first obtain an application to obtain any coverage.
1 Benefits received in excess of medical expenses may be considered taxable income. Consult your tax advisor.
2 Your policy cannot be terminated for any reason other than non-payment of premium or material misrepresentation in the application for insurance.
* Benefit amounts, issue ages and rates vary by state; please contact your broker or Cigna HealthcareSM representative for details.
THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHESIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMIUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE. THE LUMP SUM CANCER AND CANCER TREATMENT POLICIES ARE CANCER ONLY POLICIES.
This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Full terms and conditions of coverage are defined by and governed by an issued policy. Please refer to the policy for the full terms and conditions of coverage.
This is a solicitation for insurance. An insurance agent/producer may contact you. Product availability varies by state. These policies contain exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For cost and complete details of coverage, contact your insurance agent/producer or the company. Cancer Treatment, Lump Sum Cancer, Lump Sum Heart Attack and Stroke and Individual Whole Life Insurance Policies are insured by Loyal American Life Insurance Company.
Lump Sum Heart Attack and Stroke policy is not available in: ID, MA, NY, or VA.
Lump Sum Cancer policy is not available in: ID, NY, VA or WY.
Cancer Treatment policy is not available in: ID, MA, MN, NH, NJ, NY, UT, or WY.
Hospital Indemnity policy is not available in: CA, CT, ID, NH, or NY.
Whole Life policy is not available in: FL or NY.
Accident Treatment policy is not available in: ID, NH, NY, or VA.
All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including Loyal American Life Insurance Company. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.
This page is not intended for residents of Idaho, New Mexico, and Oregon.
Page Footer
I want to...
Audiences
Secure Member Sites
The Cigna Group Information
Disclaimer