How is supplemental insurance different from regular health insurance? Health insurance pays your doctors and hospitals directly. Supplemental insurance pays cash benefits directly to you - to use however you need, whether that's medical bills, rent, groceries, or anything else.

Do I need health insurance to get supplemental coverage? Most supplemental plans work alongside existing health insurance but some standalone options are available. We'll figure out what makes sense for your situation.

What's the difference between accident and critical illness insurance? Accident insurance pays benefits for injuries from accidents like falls, fractures, or emergency room visits. Critical illness insurance pays a lump sum if you're diagnosed with a serious condition like cancer, heart attack, or stroke.

Can I get disability coverage if I'm self-employed? Yes - short term disability and income protection plans are available for self-employed individuals and are one of the most important and overlooked coverages for entrepreneurs and contractors.

How much does supplemental insurance cost? Many supplemental plans are surprisingly affordable — often $20-$50 a month depending on the coverage type and benefit amount. The best way to know is to get a quote, which I'll do for free.

Does it cost anything to work with you? No - my services are completely free. I'm paid by the insurance carriers.

Do you only help people in San Antonio? No - I'm licensed in Texas and 15 additional states. Wherever you are, I can help.