Supplemental Piece

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Protection

When It

What supplemental insurance can

do for you and your family.

The cost of care

When most people think about the high cost of health care, they imagine expensive hospital stays— which is accurate.

The average hospital stay costs on average $11,700, and your employer health plan, private health insurance, or Medicare may only cover a portion of the costs,

leaving your family's budget stretched thin while you're trying to recover from an illness or injury.

But what about nonmedical costs?

These are costs you face as the result of an illness, and they are typically harder to anticipate than medical bills.

• Lost income when someone is ill or injured and can't work.

• Transportation to and from medical facilities.

• Parking fees.

• Extra care for children or other family members.

• Assistance from a home health aide.

• Modifications to make your home more accessible.

Did you know, studies found that

66.5% of bankruptcies in the U.S.

were due to unexpected medical issues?

recovering.

Even with major medical insurance, most deductibles, copays, coinsurance and some treatments and procedures are still not

covered. These costs and other non-medical expenses can add up quickly.

Supplemental Health Insurance: A Solution

These products can help cover the unexpected expenses related to heart disease, stroke, other critical illnesses, injuries and hospital stays. Supplemental health

insurance doesn't replace your major medical insurance, but rather supplements it.

WITH SUPPLEMENTAL HEALTH INSURANCE, YOU CAN EXPECT:

Benefits to be paid directly to you or your beneficiaries, not doctors or hospitals.

The freedom to use your benefits however you choose.

Benefits to be paid regardless of other insurance, including major medical.

household expenses, replacing lost wages and more!

Cancer

Insurance

Accident

Insurance

Heart &

Stroke

Critical

Illness

Hospital

Insurance

Cancer

Insurance

COST CALCULATOR

Breast Cancer Example

Medical Expenses

$109,559

Avg. Insurance Coverage

60%

Remaining Expenses*

$43,824

Supplemental Benefits*

Hospital

$675

Short-Term Disability

$4,459

Cancer/Specified-Disease

$7,687

Your Potential Benefit

$12,821

1-in-3

In the US, approximately

1-in-3 people will develop

cancer in their lifetime.

A lump-sum express payment when cancer is first diagnosed

Advocacy services and support

Benefits for wellness screenings and tests

Coverage for surgery, radiation and chemotherapy

Treatment-related transportation and family lodging

Optional coverages

Alternative Care rider

Help with pain management, nausea, and other treatment

Premium-return rider

Returns all premiums you pay for your policy, minus claims

Cancer In Real Life

Jennifer has a family history of breast cancer, so she purchased a

supplemental cancer plan with wellness benefits. The policy’s benefits

helped her pay for an annual mammogram beginning at age 35.

When her physician diagnosed early-stage breast cancer, Jennifer

received a lump-sum cash benefit of $10,000, plus $200 for each

prescribed radiation treatment. These funds were especially helpful

because she had to take sick leave from work without pay.

*This example is provided for illustrative purposes only.

COST CALCULATOR

Broken Leg Example

Medical Expenses

$7,274

Avg. Insurance Coverage

60%

Remaining Expenses*

$2,910

Supplemental Benefits*

Accidental

$2,345

Hospital

$299

Your Potential Benefit

$2,734

Accident

Insurance

1-in-8

In one year, 40.6 million

people, about 1-in-8,

for accidental injuries.

Fractures and dislocations

Injuries requiring surgery

Burns, lacerations

Disability

Accidental death and dismemberment

Hospital and emergency room visits, and more

Optional coverages

Inpatient hospital confinements

Treatment-related transportation

Family lodging expenses

ICU care

Accidents In Real Life

hometown. When choosing her new benefits, she signed up for

an accident policy “just in case.” Two weeks later, Diane was

broadsided at an intersection on her drive to work.

As she recovered, her policy paid benefits for the air ambulance,

emergency room care, surgery, hospital stay, and physical

therapy. She also received monthly disability payments until she

could return to work.

*This example is provided for illustrative purposes only.

38 Seconds

Every 38 seconds, on average,

someone in the US dies of a

heart-related disease.

COST CALCULATOR

Medical Expenses

$87,184

Avg. Insurance Coverage

60%

Remaining Expenses*

$34,874

Supplemental Benefits*

Hospital

$2,450

Short-Term Disability

$2,720

Critical Care & Recovery

$9,859

Your Potential Benefit

$15,029

Stroke Insurance

Heart Disease

It goes by many names: coronary heart disease, congenital heart

with that diagnosis comes many life-changing decisions, complex

medical care and a lengthy recovery.

Heart/stroke insurance policies can help bring financial protection

and peace of mind. Our policy benefits help when an insured

person requires a heart- or stroke-related hospitalization, heart

transplant, surgery, nursing care, and other covered issues.

Heart Disease In Real Life

Ron knew the statistics. One day he finally took them to heart, literally,

and applied for a heart/stroke policy at work. Nearly two years later,

He received an immediate $1,000 payment from his supplemental

policy, along with other benefits. The cash was a big help as Ron

slowly but completely recovered.

*This example is provided for illustrative purposes only.

795,000

Almost 800,000 people

have a stroke each year, and

strokes are the leading cause

of disability in the US today.

Heart Disease

Critical illness insurance pays lump-sum benefits upon the first diagnosis of common

types of accidental injuries and 7 other important categories.

COST CALCULATOR

Leukemia Example

Medical Expenses

$101,658

Avg. Insurance Coverage

60%

Remaining Expenses*

$40,663

Supplemental Benefits*

Hospital

$1,785

Specified-Disease

$7,320

Your Potential Benefit

$9,105

Critical

Illness

Critical Illness In Real Life

then his wife lost her job, and Gary planned to cancel the coverage to save money.

Before he got around to it, his wife was diagnosed with Stage IV lung cancer.

The policy immediately paid $37,500*, which they used to arrange the best care

and supplement their household income.

*This example is provided for illustrative purposes only.

COST CALCULATOR

Pneumonia Example

Medical Expenses

$11,336

Avg. Insurance Coverage

60%

Remaining Expenses*

$4,534

Supplemental Benefits*

Hospital

$1,938

Short-Term Disability

$1,025

Your Potential Benefit

$2,963

Hospitalization In Real Life

Joe always feared hospitals and avoided them whenever possible. He

didn’t even like visiting close friends and family when they were

hospitalized. Still, he felt he should buy a supplemental hospital policy

to complement his major medical coverage.

When Joe’s appendix was removed, his policy’s $200 daily hospitaliza-

tion benefit covered a variety of medical and nonmedical expenses.

*This example is provided for illustrative purposes only.

Hospital Insurance

policy or you can also include hospitalization and ICU benefits with

many other supplemental health products.

Hospital

Insurance

$30,000

A typical 3-day stay in a hospital

can average up to a $30,000 bill.

1 Trillion

US Hospital care treatment has reached

$1 trillion - that’s 32% of the country’s

total healthcare expenditure.

‐edge/0310/top‐5‐reasons‐people‐go‐bankrupt.aspx

American Cancer Society, Cancer Facts & Figures 2018.

National Safety Council, “Injury Facts,” 2017 Edition.

CMS.gov “National Health Expenditures 2017 Highlights,” htps://www.cms.gov/research-statistics-data-and-systems/statistics-trends-and-reports/nationalhealthexpenddata/downloads/highlights.pdf, 2017.

GET STARTED TODAY

Scan or click below to schedule a one-on-one

meeting online or call us at 888.501.3063.

or visit bit.ly/BookWithVoyage

Voyage was founded with the singular purpose of revolutionizing the

financial industry by providing custom solutions to real people in a world

class fashion that was once reserved only for a select few.

1130 Business Center Drive, Suite 2000, Lake Mary, FL 32746 | Info@VoyageRetirement.com | 888.501.3063 | Find Us Online

Supplemental Health Insurance:

How can it work for you?

It pays to be prepared for critical

illnesses and injuries with

supplemental health insurance.

The Unexpected Happens

Your plans to enjoy the weekend are ruined when intense stomach pain sidelines you.

You Go To The Hospital

You go to the ER and are diagnosed with appendicitis. You will need surgery and will need to stay in the hospital for a couple of days.

Supplemental Health Insurances Helps When You Need It Most

Your supplemental insurance pays cash benefits directly to you

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