What are supplemental health insurance policies?

Supplemental health insurance policies are designed to provide additional financial protection by covering costs that are not addressed by primary health insurance. This can include various out-of-pocket expenses such as copayments, deductibles, and specific services that the primary policy may not fully cover. These policies can enhance the overall level of care by helping insured individuals manage health-related expenses more effectively, ensuring they have access to necessary services without excessive financial burden.

The other options do not encompass the full scope of what supplemental health insurance entails. Coverage limited to catastrophic events does not reflect the broad purpose of supplemental plans, which can cover a variety of health-related costs. Policies that focus solely on dental and vision care are too narrow to be classified as supplemental health insurance in general, as they do not apply to other medical expenses. Temporary coverage plans are also not classified as supplemental, since their purpose is distinct from providing broad additional coverage alongside primary insurance.