Supplemental Plans That Fill the Gaps and Add Value
Even the best health plans don’t cover everything. That’s where supplemental insurance comes in. At Murillo Insurance Agency, we help you offer additional protection—like accident, critical illness, hospital indemnity, and more—that supports your employees financially when life doesn’t go according to plan. These optional benefits are easy to offer, simple to manage, and cost-effective for your business.
Frequently Asked Questions
What are supplemental insurance plans?
Supplemental plans offer coverage for specific situations not fully covered by traditional health insurance, such as accidents, hospital stays, or serious illnesses. They provide a financial cushion for employees facing unexpected costs.
Do I have to pay for these as the employer?
Not necessarily. Many supplemental plans are voluntary—meaning employees choose to enroll and pay for the coverage themselves via payroll deductions.
Why should I offer supplemental plans?
They enhance your overall benefits package, show your employees you care, and can reduce financial stress—all without increasing your company’s healthcare spend.
Add Depth to Your Benefits Offering
Offering supplemental plans helps employees personalize their coverage and better prepare for the unexpected. Whether it’s income protection after an accident or financial support during a hospital stay, these plans provide peace of mind—and make your business stand out as an employer that truly looks out for its team.
Easy to Offer, Valued by Employees
We’ll guide you through carrier options, enrollment support, and employee communications so your team understands what’s available and how it can help. With minimal administrative burden and high employee impact, supplemental plans are one of the easiest ways to improve your total benefits package.
Give Your Team Extra Support—Without Extra Hassle
Supplemental insurance adds value and flexibility to your benefits without adding complexity. Contact Murillo Insurance Agency to learn how you can offer more peace of mind with less administrative lift.