Accident
Pays cash for covered injuries, from ER visits and broken bones to follow-up care, so a bad fall or crash does not become a financial setback too.
Talk Through AccidentAccident, critical illness, cancer, and hospital plans pay money directly to you when a covered event hits, filling the gaps your major medical plan leaves behind. A licensed broker helps you add only what fits, at no cost.
Paid Directly to YouSpend it however you need
$0 Broker FeeHonest, no-overlap advice
A quick call is the easiest way to see whether supplemental coverage makes sense for you, and which types are worth it.
Supplemental plans are not comprehensive health insurance. We will tell you honestly if you do not need them.
Each type pays a cash benefit for a specific event. Mix and match the ones that fit your life and your health plan.
Pays cash for covered injuries, from ER visits and broken bones to follow-up care, so a bad fall or crash does not become a financial setback too.
Talk Through AccidentPays a lump-sum cash benefit on the diagnosis of a covered condition like heart attack or stroke, money you can use for treatment, bills, or time off work.
Talk Through Critical IllnessProvides cash benefits after a covered cancer diagnosis to help with treatment costs, travel to specialists, and the everyday expenses that do not stop.
Talk Through Cancer CoveragePays a set cash amount for each day you are admitted to the hospital, a powerful pairing with a high-deductible health plan.
Talk Through Hospital IndemnityEven good health plans leave gaps: the deductible, the copays, and all the costs that have nothing to do with the hospital. Supplemental coverage is for those.
Approved benefits are paid to you, not a provider. You decide where the money goes.
Deductibles, copays, and coinsurance your major medical plan still expects you to pay out of pocket.
Rent, groceries, childcare, and lost income while you recover, the bills that do not pause when you are sick.
If your health plan has a high deductible, a cash benefit can cover the very costs that deductible exposes you to.
Supplemental coverage is easy to oversell. As independent brokers we recommend only the pieces that genuinely fit, and tell you when you can skip one.
We compare many A-rated carriers and have no reason to push a single product, so the recommendation fits you, not a quota.
We check what your current plans already cover so you are not paying twice for the same protection.
We explain exactly what each plan pays and when, in plain language, so there are no surprises at claim time.
Your premium is the same whether you buy on your own or through us. The carriers pay us, so the guidance is free.
“I was able to sign up for coverage through Briana Oliveira. Briana is an awesome specialist who listened attentively to my needs and quickly identified the right solutions. Very professional and courteous. Truly a gem and a blessing!”
“Found Maher Group online and saw the great reviews. Ally talked with me for 45 minutes about coverage for our family. She responds quickly via phone or text. Extremely knowledgeable, does not leave any stone unturned. Highly recommend!”
“I had an amazing experience working with Deven Plunkett. They were incredibly patient, knowledgeable, and took the time to explain all of my options in a way that was easy to understand. They made what could have been a stressful process feel smooth and reassuring.”
The questions we hear most about cash-benefit coverage. Still unsure? A licensed advisor is one call away.
Talk to a Real PersonOne short call. No pressure, no obligation, and no cost for our help. We will show you what your plan leaves exposed and what is worth covering.
Maher Insurance Group is a private, independent insurance agency. Supplemental, accident, critical illness, cancer, and hospital indemnity plans are limited-benefit policies. They are not comprehensive major medical coverage and do not satisfy the requirement for minimum essential coverage. Benefits, eligibility, and exclusions vary by plan, carrier, and state and are subject to change. Please review the policy for full terms.
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Related: Supplemental FAQs · Medicare Plans · Life Insurance