Best Supplemental Health Insurance Plans in 2024

Supplemental health insurance is an additional plan you can purchase to offset potential out-of-pocket medical costs that your regular insurance does not cover. Various supplemental plans are available depending on your needs, including accident, dental, and critical illness insurance. The best overall supplemental health insurance includes United Healthcare.

For as low as $45 per month, Mira members get access to low-cost urgent care visits, up to 80% off prescription medications, and same-day lab testing. Mira can be used as a supplemental healthcare option for those who need that. Sign up today and start saving right away. 

Best Supplemental Health Insurance Plans in 2024

Picking a health insurance plan can be daunting, especially with ever-increasing deductibles, co-payments, and coinsurance. It's estimated that 60 percent of bankruptcies in the United States are due to medical events. Even with insurance, out-of-pocket costs associated with your medical needs can add up very quickly. 

One option to offset these costs is to look for a supplemental health insurance plan. These plans are purchased to help cover the additional costs that some insurance plans won't cover, like dental visits, eye exams, or hospital visits. We looked at the different types of supplemental plans to help you determine which is the best for you:

• Best Overall: United Healthcare
• Best Coverage: Aetna
• Best for Medicare Plans: Mutual of Omaha
• Best for Accidents: Combined Insurance Company of America
• Best for Critical Illnesses: Guardian Life
• Best for Dental Coverage: MetLife

United Healthcare: Best Overall

United Healthcare offers a wide range of supplemental plans that can fit a variety of needs. Their plans are available in all 50 states and the District of Columbia, providing nationwide coverage. Many companies only offer Medigap coverage for those currently on a Medicare insurance plan. Still, United Healthcare supplies other plans as well:

• Accident
• Critical illness
• Dental
• Hospital and doctor fixed indemnity
• Hospitalization
• Vision

With United Healthcare, you can bundle plans as well to fit your specific health insurance needs. Plans are available for individuals, families, and employers to purchase. While each specific supplemental plan varies in price, they are all relatively affordable, with the lowest estimated monthly premium at $8.00. The cost will vary depending on your age and current health condition. 

Their website has many tools to help you determine the right insurance plan for you and estimate the cost. In addition, they have an app you can download to manage your healthcare needs on the go. Overall, United Healthcare provides extensive health coverage, affordable costs, and considerable customer assistance for supplemental health insurance plans.