By now, you have likely reviewed your health insurance options for the year. Whether you are stuck with a plan you know or switched to find a better rate, one reality remains for most independent professionals: deductibles are high.

If you have a health plan with a $5,000 or $7,000 deductible, you have great coverage for a catastrophe—but you are essentially "self-insuring" for everything else.

What happens if you slip on a wet floor, cut your hand deeply while styling, or need unexpected surgery? Your health insurance pays the doctors, but who pays your deductible? And who pays your rent while you are recovering and unable to stand behind the chair?

Here are Supplemental Health Plans designed specifically to fill these financial gaps.

The "Cash to You" Difference

Unlike traditional health insurance, which pays doctors and hospitals, these plans pay cash benefits directly to you. You can use the money for medical bills, your mortgage, groceries, or salon rent—whatever you need most.

Three Layers of Protection

1. Accident Coverage (The "Ouch" Plan)

In our industry, physical risks are everywhere—from sharp shears to slippery shampoo areas.

• What it covers: Unexpected injuries like fractures, dislocations, lacerations, or concussions (on or off the job).
• How it helps: It pays a set cash amount for the injury and treatment (e.g., ER visits, X-rays). It’s often used to offset the cost of an unexpected trip to Urgent Care.

2. Hospital Indemnity (The "Admission" Plan)

A hospital stay is one of the quickest ways to drain a savings account.

• What it covers: Hospital admissions, ICU stays, and sometimes outpatient surgeries.
• How it helps: If you are admitted to the hospital (even for a planned event like maternity/childbirth in many plans), you receive a lump sum payment. This cash can help cover your health plan’s admission deductible.

3. Critical Illness (The "Recovery" Plan)

A major diagnosis shouldn't force you to close your business.

• What it covers: Serious conditions such as cancer, heart attack, or stroke.
• How it helps: Upon diagnosis, the plan pays a significant lump sum (e.g., $10,000, $20,000, etc.). This allows you to take the time you need to recover without the immediate pressure of "no work, no pay."

Affordable Peace of Mind

These plans are surprisingly affordable because they are designed to supplement, not replace, your major medical insurance. For the cost of a few haircuts a month, you can ensure that a minor accident or a hospital stay doesn't become a major financial setback.

View Your Options

Don't leave your bank account exposed to high deductibles. See how affordable it is to add this extra layer of safety to your financial plan.

Contact for more information :
Michael Anderson
Anderson Benefit Partners
[email protected]
651.336.2552