Supplemental Medical Coverage

Offering assistance with high out-of-pocket expenses


While high-deductible health plans are a popular option for employers looking to provide affordable medical coverage, these plans often raise concerns from employees about potential out-of-pocket expenses. However, even the coverage available on the Exchange will likely leave individuals open to these expenses.

Whether an employee has access to subsidized coverage through the exchange or their employer, high deductibles and cost share requirements are going to impact affordability. To illustrate this issue, consider the following:

  • The most affordable “Bronze” plan offered by PPACA will have an actuarial value of 60%–allowing for more than $6,000 in potential out of pocket expenses. This plan would be considered catastrophic coverage prior to PPACA.
  • According to a 2012 AFLAC Workforce Report, more than half of American workers have less than $1,000 in savings for emergency expenses.

Fortunately, Ternian has designed affordable Major Medical Supplement plans that can complement existing high deductible coverage. Because these plans don’t “wrap around” benefits, they are easier to manage and won’t raise red flags with major medical carriers concerned about adverse selection or higher utilization.


View a sample plan. You can also contact us for more information
or  today.




The insurance described on this website provides limited benefits. Limited-beneft
plans are insurance products with reduced benefits, intended to supplement 
comprehensive health insurance plans. This insurance is not an alternative to
comprehensive coverage. It does not provide major medical or comprehensive
medical coverage and is not designed to replace major medical insurance.  Further,
this insurance is not minimum essential benefits as set forth under the Patient
Protection and Affordable Care Act.