Supplemental Coverage
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Other types of health plans to supplement your basic health coverage are available. In the US, Medicare members who are over 65 years old and have been members for more than six months are eligible for Medigap or MedSup, which is a private insurance that covers gaps in Medicare coverage. Visit this site for more details.
Another supplemental plan is a long-term care policy which covers medical care, nursing care and specific in-home care that you might be needing when you reach the age, or you suffer an illness or disability and can no longer care for yourself. Long-term care is usually paid in a fixed amount for each day of coverage, ranging from $40 to $200. Nursing home care is more expensive than in-home care. This site provides information on long-term care.
For workers who suffer illnesses or accidents that prevent them from working (even after hospitalization), a disability income insurance can be very useful. It provides you with around 60% of your most recent income. There are many restrictions for this plan, especially if a certain disability still allows you to perform other livelihood projects for the disabled. Visit this site to find out more about disability income insurance.
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