Supplemental Cash-Benefit Coverage
Health Insurance Helps Pay the Medical Bills. Plan Enhancer Can Pay You.
Plan Enhancer provides cash benefits following certain covered accidents, hospitalizations, and serious illnesses. The benefits can help with medical expenses, household bills, lost income, transportation, childcare, or any other financial need.
Guaranteed-issue options may be available. Eligibility, benefits, riders, and availability vary by state.
Featured Coverage Level
$17,500
Cash-benefit protection
Benefits are paid according to the covered event, selected benefit level, applicable riders, and policy terms.
A Real Experience With Plan Enhancer
Hi, I’m Angelo Maimone, Compliance Manager with FLC Insurance Services. I don’t normally promote the products we offer, but because of my personal experience with this one, I think everyone needs to know the benefits.
In 2025, after an emergency room visit resulted in a hospital admission, I wasn't able to work for 3 weeks. Thankfully my health insurance covered my medical expenses, but the lost time from work could have really caused a financial burden. Because I also had Plan Enhancer coverage, it didn't and I received a $17,500 check within 2 weeks after I submitted my claim.
The benefit was paid to me and I was able to use that money for everything I needed to ease the financial burden of missing work.
That experience showed me why supplemental cash-benefit coverage is valuable even for someone who already has comprehensive health insurance.
Angelo Maimone
Compliance Manager
FLC Insurance Services
This is one individual's actual experience. Benefit amounts and claim outcomes vary. Payment depends on the covered event, selected coverage, applicable riders, policy terms, exclusions, limitations, and claim approval. This testimonial does not guarantee that another insured will receive the same benefit.
Individual experience. Results and benefits vary.
How Plan Enhancer Works
Choose Your Coverage
Select the available benefit amount and optional coverage riders that fit your needs and budget.
Experience a Covered Event
If you experience an eligible accident, hospitalization, cancer diagnosis, heart attack, or stroke, benefits may become payable based on your selected coverage and the applicable policy provisions.
Receive Cash Benefits
Approved benefits are paid according to the policy’s benefit schedule. The money can generally be used for medical or nonmedical expenses.
Plan Enhancer is designed to work alongside your existing health insurance, but you do not need health insurance to get it. This product is not a replacement for comprehensive major medical coverage, but can provide a financial benefit after health related incidents.
Build Coverage Around Your Needs
Choose the base accident coverage and add optional riders for hospitalization and critical illness protection.
Accident Medical Expense
- Benefits for eligible accident-related medical expenses
- No policy deductible
- Benefits may be payable regardless of other medical coverage
- No network restrictions
- No waiting period
- Accidental death and dismemberment benefits may be included
- Ground ambulance and durable medical equipment benefits may be included
- Can potentially be purchased without adding the optional riders
Sickness Hospitalization
Provides a scheduled lump-sum benefit for a qualifying covered hospital admission due to sickness, subject to the rider’s terms.
Cancer and Heart/Stroke
Provides scheduled lump-sum cash benefits following certain covered first diagnoses of cancer, heart attack, or stroke, subject to the rider’s definitions and terms.
Featured Coverage Selection
$17,500 Benefit Level
Request a personalized quote to see the available coverage configuration and monthly premium in your state.
Additional benefit levels may be available from $2,500 to $35,000.
See How Supplemental Cash Benefits Can Help
The following is a hypothetical example for illustration only.
Example Only
Depending on the selected Plan Enhancer coverage and the qualifying covered event, the supplemental benefit may exceed the insured’s direct medical out-of-pocket expenses. Any remaining cash can help with other financial needs.
This example is for illustration only and is not a promise of benefits. Actual benefits depend on the insured’s selected coverage, the specific covered event, the policy benefit schedule, exclusions, limitations, state availability, and claim approval.
Why Consider Plan Enhancer?
Cash Paid to You
Approved benefits are generally paid to the insured rather than directly to a hospital or medical provider.
Works With or Without Health Insurance
The plan can supplement existing health insurance or be used separately, and provides additional financial protection after a covered event.
Flexible Use
Cash benefits can help with medical bills, household expenses, lost income, transportation, or other financial needs.
Guaranteed-Issue Availability
Certain coverage may be available without medical underwriting or health questions, subject to eligibility rules and state availability.
Multiple Benefit Levels
Benefit levels start from $2,500 through $35,000, depending on the product and state.
Optional Protection
Available riders may include sickness hospitalization and cancer or heart/stroke benefits.
Product features, benefit amounts, ages, riders, premiums, and availability vary by state.
Who Should Consider This Coverage?
Plan Enhancer may be worth considering if one or more of the following applies to you.
- You already have health insurance but want additional cash protection.
- You have a deductible, copayments, coinsurance, or an annual out-of-pocket maximum.
- Missing work because of an accident or illness could affect your household finances.
- You want funds that can help with nonmedical expenses during recovery.
- You have limited emergency savings.
- You support children, a spouse, or other family members.
- You want additional accident, hospitalization, or critical illness protection.
- You prefer a guaranteed-issue option when available.
Already have a low-deductible health plan?
Supplemental coverage may still be useful. Major medical insurance is primarily designed to pay eligible health care expenses. A supplemental cash-benefit plan can provide additional funds that may be used for broader financial needs.
Frequently Asked Questions
See Your Plan Options
Complete the form below to review available coverage and pricing. Submitting this form does not enroll you in coverage or obligate you to purchase a plan.
Important Disclosures
Plan Enhancer is supplemental limited-benefit insurance and is not comprehensive major medical health insurance. It does not provide minimum essential coverage and is not a substitute for major medical insurance.
Benefits are payable only for covered events and are subject to all policy provisions, definitions, benefit schedules, exclusions, limitations, eligibility requirements, effective dates, and claim approval.
Benefit levels, premiums, riders, eligibility ages, product features, and availability vary by state. Optional riders may require additional premium.
The $17,500 experience described on this page reflects one insured’s individual claim and coverage. It is not a representation or guarantee that every accident, illness, emergency room visit, hospitalization, cancer diagnosis, heart attack, or stroke will result in the same benefit or any benefit.
Complete policy terms, exclusions, limitations, and issuing-company information will be provided before an applicant purchases coverage.
Ready to See Your Plan Options?
A licensed FLC Insurance Services agent can review the available benefit levels, riders, and pricing available in your state. There’s no obligation to enroll.