Supplemental & Critical Illness Plans

Coverage That Supports You When the Unexpected Happens

Even with Medicare or a solid health plan, medical events like cancer, stroke, or a hospital stay can bring surprise expenses. That’s where supplemental insurance comes in. At Brooks Financial, we offer fixed-benefit plans that pay you directly when certain covered health events occur—giving you financial breathing room when you need it most. These plans are especially helpful for seniors on a fixed income and families looking to reduce out-of-pocket costs. Whether you need protection for a specific illness or want general coverage to help with hospital stays, we’ll help you choose a plan that adds peace of mind to your current benefits.

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Supplemental & Critical Illness Coverage

We’ll walk you through how these policies work, when they make sense, and which options fit best with your existing Medicare or health coverage.

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Cancer Insurance

Pays a lump-sum cash benefit if you're diagnosed with cancer. Use the funds however you need—travel, treatment, bills, or personal expenses during recovery.
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Heart Attack & Stroke Coverage

Similar to cancer insurance, this plan provides direct cash payments after a covered cardiac event. Designed to reduce financial stress while you focus on recovery.
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Critical Illness Plans

Broader coverage for serious diagnoses like kidney failure, organ transplant, or ALS. Offers a one-time benefit payment to help with both medical and everyday costs.
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Fixed Indemnity Health Coverage

Provides cash benefits for specific services like doctor visits, outpatient surgeries, or diagnostic tests. Works well as a supplement to your main health plan, especially for gaps in copays or deductibles.
Financial Support When You Need It Most

Smart Supplemental Insurance Backed by Local Guidance.

We help you plan for the “what ifs” in life—not out of fear, but out of practicality. Supplemental plans give you control over how to handle extra costs that pop up after a diagnosis or emergency.

  • Personalized Plan Matching
     Not every policy is a fit for every person. We’ll tailor our recommendations to your health needs, budget, and lifestyle.
  • Simple Explanations, No Pressure
     We explain the differences between indemnity and critical illness plans in plain English—so you know exactly what you’re getting.
  • Easy Enrollment & Follow-Up
     We’ll walk you through the application and stay in touch after you’re enrolled to make sure your benefits are understood and accessible.
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Frequently Asked Questions

  • Do I need supplemental insurance if I already have Medicare?

    Possibly. Medicare doesn’t cover everything, and these plans can help fill the gaps—especially with hospital stays, critical illnesses, or recovery-related costs.

  • How are these policies different from regular health insurance?

    Supplemental plans pay you directly, rather than paying a provider. You can use the money however you choose—medical bills, rent, groceries, travel, etc.

  • Can I have more than one supplemental policy?

    Yes. Some people carry multiple policies—such as hospital indemnity + cancer coverage—to cover different risks. We’ll help you decide what’s worth it based on your situation.

  • Do I need to undergo a medical exam to qualify?

    Many supplemental plans use simplified underwriting and don’t require a medical exam. Some even guarantee acceptance depending on age or plan type.