Supplemental Protection
When a health crisis strikes, your major medical plan may not be enough. Supplemental insurance fills the gaps — paying cash directly to you so you can focus on recovery, not bills.
Why Supplemental Protection Matters
A serious illness or unexpected hospitalization brings more than physical pain — it brings deductibles, lost wages, travel costs, and bills that keep piling up while you're unable to work. Traditional health insurance was never designed to cover all of that. Supplemental protection plans act as a personal financial safety net, delivering cash directly to your hands so you can cover any expense, protect your family's lifestyle, and face recovery without the added burden of financial stress.
Our Policy Offerings
Each supplemental plan is designed to work alongside your existing coverage, providing an added layer of financial security when you need it most.
Cancer Insurance
Cancer insurance focuses specifically on the high costs associated with a cancer diagnosis, providing direct cash benefits to you throughout every stage of treatment — from diagnosis through recovery.
- Covers non-medical expenses like experimental treatments and travel
- Pays cash directly to you, not the hospital
- Supplements your major medical plan to close critical coverage gaps
Critical Illness Insurance
Critical illness insurance delivers a lump-sum cash payout upon the diagnosis of a covered serious illness such as a heart attack, stroke, or organ failure — giving you immediate financial flexibility when you need it most.
- Protects your savings and mortgage during a major health event
- Provides income replacement if you cannot return to work
- Covers conditions often excluded or under-covered by standard health plans
Hospital Indemnity Plans
Hospital indemnity plans pay a fixed daily or per-visit cash benefit whenever you are confined to a hospital due to sickness or injury — regardless of what your health insurance pays.
- Directly offsets high deductibles and co-pays
- Reduces financial stress during unexpected inpatient stays
- Cash benefits can be used for any expense — medical or personal
Ready to Close the Gaps in Your Coverage?
Don't wait for a crisis to discover what your health plan doesn't cover. Speak with an SFC specialist today and find the right supplemental plan for you and your family.
(707) 425-1814
stephen.felix.chavez@sfcinsurance.services
Monday – Friday, 9:00 am – 6:00 pm