Skip to main content

Supplemental Health Made Simple

Your Supplemental Health insurance (Accident, Critical Illness and Hospital Indemnity) can give you cash after a covered medical event — for you or your family — to use on anything you want! These products work with your Blue Cross and Blue Shield of Texas medical coverage to give you extra financial support when you need it most.

Watch How It Works
Man on couch with leg in a cast

Supplemental Health Insurance Explained

See How Easy It Is!

When your Blue Cross and Blue Shield of Texas medical coverage works together with your Supplemental Health insurance, getting your benefits is easier than ever.

Watch this 60-second video to learn how our products work and how our connected process helps you get your cash benefits.

Financial Relief for Life’s Unexpected Moments

A sudden illness or injury can bring stress, worry and unexpected expenses. Life doesn’t slow down — you still have a family to care for and daily needs to manage. That’s why we review your medical claims with your Supplemental Health plan to see if cash may be available to support you or loved ones.

We do this behind the scenes, giving you financial help without extra steps — and more time, comfort and peace of mind to focus on yourself and your family. 

Doctor examining a man with arm in a sling

How it Works

1. We cover.
Medical events can include things like a broken arm, a hospital stay, a heart attack, a cancer diagnosis or another serious illness.

2. We identify.
We look at your medical and Supplemental Health claims to see if you or your family may get a cash payment.

3. We notify.
If you or a family member qualifies, we will let you know. You will get an email, text and postcard with clear steps on what to do next.

4. We simplify.
We make the process quick and easy. No extra claim forms. It’s a one-step, paperless experience from start to finish.

5.  We pay.
Cash is paid directly to you*, even if it is for a dependent’s claim. This is in addition to what your health plan covers. 

Woman doing paperwork

Your Cash. Your Choice.

When you receive a cash benefit, it’s paid directly to you — not to a doctor, hospital or service provider. That means you have total freedom to use it on anything you choose. Put it toward staying on top of daily life, offsetting medical related costs or simply giving yourself breathing room. With complete spending flexibility, you’re in charge of how your benefit works for you.

Check Your Phone, Email and USPS Mail for More Details.

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

* Supplemental Health benefits are paid directly to the Supplemental Health policy subscriber.

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.