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Supplemental Health Made Simple For Your Clients

Supplemental Health insurance (Accident, Critical Illness and Hospital Indemnity) provides employees with cash after a covered medical event — for themselves or their families — to use however they choose. These plans complement Blue Cross and Blue Shield of Texas medical coverage, giving your clients an enhanced benefits offering and giving their employees an extra layer of financial support when it matters 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 Blue Cross and Blue Shield of Texas medical coverage with Supplemental Health insurance, the experience is seamless. 

This 60‑second video shows how the products work together and how our connected claims process simplifies the way employees receive cash benefits — making it an appealing, value‑added solution for your clients.

Financial Relief for Life’s Unexpected Moments

A sudden illness or injury can create stress, uncertainty and unexpected expenses for employees; which, in turn, impacts your clients’ workforce wellbeing. Supplemental Health insurance helps ease that burden.

We automatically review medical claims alongside eligible Supplemental Health coverage to identify when cash benefits may apply.

This behind-the-scenes approach helps employees receive financial support with fewer steps, creating a smoother overall experience and strengthening the value of the benefits package you bring to your clients.

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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 dependent may be eligible for a cash payment. 

3. We notify.
If a benefit is available, the employee or dependent receives an email, text and postcard with simple next steps. 

4. We simplify.
No extra claim forms or administrative burden, for employees or your clients. The one-step process is fast, paperless and streamlined. 

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

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Cash Benefits Employees Can Use Their Way

Cash benefits go directly to the employee — never to a doctor, hospital or provider. This gives them complete flexibility to use the funds however they choose: covering household expenses, offsetting medical-related costs or creating financial breathing room. 
 
For your clients, that flexibility enhances the overall value of the benefit.

What Your Clients’ 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.

Offer Your Clients Supplemental Health Coverage

Contact your BCBSTX sales rep to learn how we can help meet your clients' insurance needs.

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.