GROUP

Supplemental

Plans

What are Supplemental Insurance Plans?

Whether employers avail of full funded, self funded, or level funded insurance plans, even robust health insurance plans may not cover all the potential costs of accidents or illnesses. This is where supplemental insurance comes along, filling in any “gaps” that your company’s current health plan is missing. As the name suggests, this type of insurance plan will “supplement” existing health plans. Supplemental insurance will either help pay for healthcare costs not covered by the insurance plan, such as deductibles, copayments, or specific care like critical illnesses. They can also provide coverage for certain conditions and health needs, such as dental and vision care.

Employers can benefit from offering supplemental insurance plans to their employees as it can improve employee retention. The extended coverage can attract and retain personnel, as a comprehensive coverage plan ensures they are cared for when it comes to their physical and mental health. At RVP Insurance, we can make it easier for you and your employees, protecting your team’s financial security through our wide range of supplemental health products that can pay for unexpected medical expenses.

The Types of Supplemental Health Products

You can avail of different supplemental health products for your employees, depending on the “gaps” the current insurance plan may have.

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  • Dental Insurance

    If the chosen plan you availed for employees does not include dental, then it may be worth supplementing it with dental insurance. Supplemental dental insurance will include routine cleanings, oral exams, fillings, x-rays, root canals, and more. Some supplemental insurance plans may also include benefits for diagnostics, as well as basic and major dental care.

  • Vision Insurance

    Supplemental vision coverage can assist with costs related to your eyes, including routine eye exams, eyeglasses, lenses, and more. Do note that this is different from the vision coverage your current insurance plan already covers for employees, which would include eye-related conditions like cataracts and glaucoma. 

  • Short-term Insurance

    As the name implies, supplemental short-term insurance will provide coverage for a temporary period. These types of supplemental insurance will cover services like emergency room services, certain prescription drugs, and doctor’s consultations unrelated to pre-existing conditions, among others. 

  • Critical Illness Insurance

    In the event one of your employees suffers from a serious illness such as cancer, a heart attack, or a stroke, make sure there is a safety net in case the insurance plan does not cover critical illnesses. Supplemental critical illness insurance may provide coverage for one or multiple conditions. 

  • Accident Insurance

    This is supplemental insurance covering employees who have been severely injured in a "worst-case scenario." The coverage will vary by plan but it can cover burns, paralysis, loss of limbs, and other conditions caused by major accidents. Supplemental accident insurance would cover costs including emergency room services, ambulance transportation, and inpatient services. 

Other Available Group Insurance Plans

Full Funded Plans

Full funded plans ensure that your employees will receive complete coverage, underwriting the company’s risk. We at RVP Insurance can assist you in creating a customized insurance plan and take care of any related administrative tasks without going over budget.

Self Funded Plans

Gain more control over your company’s insurance plan design and only pay for the healthcare your employees will use through self funded plans. Just leave the administrative work up to us at RVP Insurance, such as the customer service, claims, and reporting duties.

Level Funded Insurance

Reap the benefits of both full funded and self funded plans by availing level funded plans at RVP Insurance. Our stop-loss coverage insurance lessens the financial risk while still ensuring your employees receive high-quality healthcare.

Why Choose RVP Insurance?

We value your company and employees at RVP Insurance, aiming to ensure everyone receives a high level of healthcare without the high prices. That's why we leverage our three decades of experience in the industry and take the time to understand your situation before providing unique recommendations based on your specific needs. Our highly customizable insurance plans will not only benefit your employees but your organization as well. We have a team of professionals who will tailor group insurance policies with your budget in mind. As such, you can rest assured your employees will be satisfied with the healthcare given to them at competitive benefits packages.


Our work doesn’t stop there. We are committed to providing stellar customer service to all of our clients, utilizing open communication and expertise to protect you and your business. We will guide you every step of the way, from your initial inquiry of supplemental insurance down to administering your chosen insurance plan for your company and employees. Contact us to schedule a free policy review and learn more about the supplemental health products we offer.