Arizona Supplemental Insurance: The Safety Net Behind Your Safety Net
Your Arizona health insurance covers your medical bills. But what covers your mortgage, your groceries, and your car payment when a serious illness or injury takes you out of work? That's what supplemental insurance is designed to help with. It pays cash benefits directly to you, not to doctors or hospitals, which matters in a state where a large share of the workforce is self-employed, seasonal, or gig-based and doesn't have employer sick leave to fall back on.
Types of Supplemental Insurance We Offer
Critical Illness Insurance
A critical illness policy pays a lump-sum cash benefit upon the first diagnosis of a covered condition. Common covered illnesses include heart attack, stroke, cancer (most types), organ failure requiring transplant, end-stage renal disease, paralysis and major neurological events, and coma. You can use the cash benefit for anything - medical deductibles, home care, travel for treatment, lost income, or everyday bills.
Accident Insurance
Accident insurance pays scheduled cash benefits when you're injured in a covered accident, regardless of what your health insurance pays. Benefits are triggered by ER visits, hospital admission after an accident, fractures, dislocations, burns, concussions, internal injuries, and physical therapy following injury - relevant coverage for Arizona's outdoor trades and roofing, landscaping, and construction crews working through the summer heat.
Hospital Indemnity Insurance
Hospital indemnity plans pay a fixed daily cash benefit for every day you're hospitalized, plus additional benefits for ICU admission, surgery, and outpatient procedures. This benefit helps offset health insurance deductibles and out-of-pocket costs that can add up during an extended hospitalization.
Cancer Insurance
Cancer insurance is a specialized critical illness product that focuses exclusively on cancer diagnosis, treatment, and recovery. Benefits can include lump-sum diagnosis benefits, chemotherapy and radiation benefits, transportation and lodging reimbursements for treatment, and recovery care support.
Short-Term Disability Insurance
If illness or injury prevents you from working, short-term disability insurance replaces a portion of your income during the recovery period. For self-employed Arizonans and those without employer disability coverage, this is a protection many people overlook until they need it.
Who Needs Supplemental Insurance?
- Individuals with high-deductible health plans (HDHPs)
- Self-employed individuals without paid sick leave or disability benefits
- Families with one primary income earner
- Anyone with a personal or family history of heart disease, cancer, or stroke
- People with physically demanding or outdoor occupations (construction, landscaping, roofing, agriculture)
- Retirees and snowbirds who want a cash cushion in addition to Medicare or a marketplace plan
How Much Does Supplemental Insurance Cost?
Costs vary by benefit amount, age, and health history. Ask your Desert Sun Health advisor for a personalized quote across these categories:
Ready to see your options?
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