Supplemental

Supplemental

As a solution-oriented complement to traditional health plans, at Kelmeg & Associates, Inc, we offer many different supplemental insurance options. These are designed to complement and add extra protection for the employee, making a fully rounded safety net for life's little curveballs.

Being a 26 year old with no idea of where to start for health insurance, Kelsey at Kelmeg and Associates helped me out tremendously. She worked with me to help me find the best insurance that would save me the most money overall. Highly recommend Kelmeg and Associates!

Lauren Finamore

Chip, Heidi & Kelsey are the best. We use them for all our company medical benefit needs and they're excellent to deal with. Very responsive, very knowledgeable.

Quin-Lee Ng

Kelsey is amazing! She goes above and beyond to find you the best coverage at an affordable rate. She understands the insurance industry and makes the process of finding health insurance and enjoyable one. I highly recommend her.

Heather Vipond

Highly recommend if you are looking for assistance navigating the vast health insurance landscape! Was able to schedule a call and speak with Chip, who is knowledgeable and a straight shooter!

John Gargaro

I have done business with kelmeg andassociates for a many years now. Everyone there has been extremely helpful and informational, with all my health insurance needs and questions! I recommend them to all me friends and family that needs heath insurance!

Jesse Smith

Kelsey is the best! She is so helpful and responsive. It’s so nice to have someone who knows what’s going on and will do everything to make sure you are taken care of.

Piper Griffeeney

Supplemental Coverages

Short-Term vs. Long Term Disability Insurance

Disability insurance is designed to protect an employee's income when they are no longer able to work due to illness or injury.

  • Short-term disability insurance: Insures employees against loss of some salary in case of an absence lasting three to six months. This would give employees ample opportunity to recover without worries about finances.
  • Long-term disability insurance: Provides protection for the long term, covering wages beyond six months—what would be expected in chronic conditions or severe injury cases when employees cannot return to their job.

Accident Insurance

Accidents never knock, and the right policy makes all the difference. The accident insurance policy pays benefits directly to the policyholder upon sustaining an injury. Benefits include:

  • Flexibility: Payments may be used for medical bills, living expenses, or any other needs.
  • Complementary Coverage: There to complement health insurance and give extra help without taking the place of major plans.
  • Lump Sum Payments: For events that include burns, broken bones, or even visits to the emergency room. Extra benefits also further provide coverage for injuries in organized sports for children.

Dental Insurance

Dental health is imperative, but the right coverage ensures one can attend to their needs without financial burden.

  • Basic Dental Insurance: Covers routine services such as cleanings, check-ups, and fillings; most often accommodates coverage after a 2-6 month waiting period.
  • Comprehensive Dental Insurance: Major procedures such as orthodontics are covered, with waiting periods up to 12 months.

Travel Insurance

Most trips can have unexpected turns. There are five major areas that travel insurance can cover:

  • Trip Cancellation/Interruption Insurance: Refunds the cost in case of cancellation or interruption due to covered reasons.
  • Medical Insurance: This has to do with health care expenditure during traveling and is particularly important in countries where medical care is very expensive.
  • Evacuation Insurance: Insures against emergency medical evacuation.
  • Loss of Baggage and Personal Items: Insures against the loss or theft of baggage and personal items either brought from home or bought locally.
  • Life Insurance: Entitles the beneficiary with the benefits in case of death caused by a travel accident.

The various customized supplemental insurance products offered at Kelmeg & Associates, Inc fully meet both the employers and their employees' specific needs. Employers may offer a competitive package to further nurture employee well-being and fiscal security with the right mix of supplemental benefits.

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