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Supplemental Health Made Simple For Your Employees

Supplemental Health insurance (Accident, Critical Illness and Hospital Indemnity) gives employees cash after a covered medical event to use however they choose. These plans work with their medical coverage to provide extra financial support when needed most.

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Watch How It Works

Watch this 60-second video to learn more.

Supplemental Health Insurance Explained

SUPPLEMENTAL HEALTH INSURANCE EXPLAINED

See How Easy It Is!

When employees pair their Blue Cross and Blue Shield of Texas medical coverage with Supplemental Health insurance, accessing benefits becomes simple. 

This 60-second video shows how these products work together and how our connected claims process helps employees receive cash benefits quickly and easily.  

Financial Relief for Life’s Unexpected Moments

A sudden illness or injury can create stress, uncertainty and unexpected expenses for your employees. While they continue managing work, family and everyday responsibilities, extra financial support can make a meaningful difference.

That’s why we automatically review medical claims alongside eligible Supplemental Health coverage to see if cash benefits may be available.

This behind-the-scenes process helps your employees get financial support with less effort — giving them more time and peace of mind during challenging moments.

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How it Works

1. We cover.
Covered medical events may include a broken bone, hospital stay, heart attack, cancer diagnosis or another serious illness. 

2. We identify.
We review both medical and Supplemental Health claims to determine if an employee or their dependent may be eligible for a cash payment. 

3. We notify.
If a benefit is available, employees or their dependents receive an email, text and postcard with clear next steps. 

4. We simplify.
No extra claim forms or administrative burden. Employees experience a fast, paperless, one-step process. 

5. We pay.
Cash is paid directly to the employee, even when the claim is for a dependent. This is in addition to what the medical plan covers.

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Your Employees' Cash. Their Choice.

Cash benefits are paid directly to the employee — not to a doctor, hospital or provider. This gives employees complete flexibility to use the funds however they need: covering daily expenses, offsetting medical-related costs or simply creating financial breathing room. They decide how their benefit works for them. 

What Your Employees Need to Know

After an employee’s first covered medical event — such as a hospital stay or critical diagnosis — they’ll receive an email, text and postcard inviting them to opt in to our digital, simplified claims process. Once they complete a digital authorization, our team automatically reviews claims to determine whether a cash payout may be available through their Supplemental Health coverage.

GETTING STARTED

Offer Your Employees Supplemental Health Insurance

Contact your BCBSTX sales rep for details on how we can help provide your employees the protection they need.

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Medical and Supplemental Health claim integration processes are dependent on our receipt of membership data.

Supplemental Health insurance products issued by Dearborn Life Insurance Company, 701 E. 22nd St. Suite 300, Lombard, IL 60148. Blue Cross and Blue Shield of Texas is the trade name of Dearborn Life Insurance Company, an independent licensee of the Blue Cross and Blue Shield Association.