Supplemental Health Insurance

Citadel Insurance Group focuses on building a safety net of insurance options that give you the coverage and peace of mind you deserve.

Broadening Your Health Insurance Protection

Health insurance helps you you cover your medical costs, but it doesn’t always cover everything. When you face out-of-the-ordinary health expenses or major health issues, you can find yourself facing overwhelming medical expenses.

Supplemental health insurance plans are designed to provide coverage for specific situations like accidents, illnesses, or short-term recovery needs. These plans offer added peace of mind by helping you manage out-of-pocket expenses, replace lost income, or cover everyday bills during a health crisis.

Plan Types We Offer

Critical Illness Insurance

Our plans provide lump sum benefit payments to the  insured to help offset any out-of-pocket healthcare expenses or other household expenses if a covered critical health incident occurs in the future.

Additionally, even if a covered critical health incident does not occur, 100% of the plan’s benefit amount is paid to the named beneficiary upon the insured’s death. This means that your investment in this plan has value, whether you need it now or in the future.

Association Membership

Members of the American Independent Business Coalition receive a robust package of built-in benefits designed to support their health and financial well-being—at no additional cost. These include unlimited non-emergency telemedicine consultations with licensed physicians, prescription services sent directly to the member’s pharmacy, and access to online dermatology and behavioral health services at reduced rates. Members also benefit from hospital confinement coverage with room and board benefits, along with accidental injury medical expense and accidental death and dismemberment coverage.

Accident Coverage

Accident coverage is an excess medical expense coverage insurance plan, designed to help fill the gap of out-of-pocket expenses you may incur as a result of accidental bodily injury. The plan pays up to the selected excess medical expense amount after the applicable deductible is met.

Accident Disability

Short term accident disability insurance can help you pay your bills if you become disabled due to a covered accident. If you become totally disabled due to a covered accident, IncomeProtector can pay you monthly benefits for up to 12 months.

How These Plans Work with Health Insurance

These plans don’t replace your main health insurance; they work alongside it to help you manage extra costs. When something serious happens, these plans give you more flexibility and support to cover the costs that your health plan doesn’t.