Supplemental Health Insurance

Western Wind Insurance & Investments focuses on finding insurance options that give you the coverage and peace of mind you deserve.

Fill the Gaps in Your Health Coverage

Health insurance helps protect you from major medical costs, but it doesn’t always cover everything. Supplemental health insurance plans are designed to provide cash benefits for specific situations like accidents, illnesses, or short-term recovery needs. These plans offer added peace of mind by helping you manage out-of-pocket expenses, replace lost income, or cover everyday bills during a health crisis.

Plan Types We Offer

Short-Term Care Insurance

Short-term care insurance helps cover the cost of recovery if you need temporary assistance after an illness or injury. It may include benefits for nursing home care, rehabilitation, or in-home care — often for a period of up to 12 months. This plan is a lower-cost alternative to long-term care insurance and is easier to qualify for. Benefits are paid directly to you or your care provider, depending on the policy.

Best for:

Adults who want affordable protection for recovery care that isn't covered by standard health or Medicare plans.

Critical Illness Insurance

This plan pays a lump-sum cash benefit if you’re diagnosed with a serious condition like cancer, heart attack, stroke, or kidney failure. The benefit can be used however you need — from paying deductibles and out-of-network care to travel, childcare, or lost income. Coverage can often be tailored by diagnosis type and benefit amount. Some policies include additional wellness benefits or second-diagnosis protection.

Best for:

Anyone concerned about the financial impact of a major health event, especially if you have a high-deductible plan or family health history.

Cancer Insurance

Cancer insurance provides specific financial support during cancer treatment. It typically covers expenses like diagnostic testing, hospital stays, radiation or chemo, and non-medical costs such as travel or lodging. You may receive one-time or ongoing benefits based on the treatment timeline. Some plans also include wellness screenings or recurrence protection.

Best for:

Those with a family history of cancer or anyone seeking additional financial security during a difficult diagnosis.

Hospital Indemnity Insurance

Hospital indemnity plans pay daily, weekly, or lump-sum benefits if you’re admitted to the hospital for a covered illness or injury. Payments can help cover hospital room charges, surgery, doctor visits, or other costs not paid by your health insurance. These plans are especially valuable if you have a high-deductible or limited-network medical plan.

Best for:

People who want help covering the high cost of hospital stays, especially if their health plan doesn’t offer strong inpatient benefits.

Accident Insurance

This plan pays benefits if you suffer a covered accident, such as a broken bone, concussion, burn, or dislocation. It can help with ER visits, ambulance rides, surgery, and follow-up care, including physical therapy. Many plans also include accidental death and dismemberment (AD&D) benefits.

Best for:

Active individuals, families with children in sports, or anyone who wants low-cost protection for life’s unexpected injuries.

Heart Attack & Stroke Insurance

Focused specifically on cardiovascular events, this insurance pays a cash benefit if you're diagnosed with a heart attack, stroke, or undergo related surgeries. The money can be used towards medical expenses, rehabilitation, travel, or household costs during recovery. Some plans are standalone, while others are bundled with critical illness coverage.

Best for:

People with a personal or family history of heart conditions or stroke who want targeted protection.

How These Plans Work with Health Insurance

These plans don’t replace your main health insurance; they work alongside it to help you manage extra costs. When something serious happens, you receive cash benefits directly, giving you more flexibility to cover what your health plan doesn’t.

• Use funds for any need, medical or non-medical
• Plans are often affordable and customizable
• Many are available with no medical exam or underwriting
  

Supplemental Insurance FAQ