When it comes to health expenses and needs, everyone is different. So based on your health stage, life stage and family, the amount and kind of coverage you’ll need is going to vary.

Unfortunately, one-size-fits-all primary plans aren’t built to handle these variances. This leaves gaps and holes in coverage because primary plans lack the flexibility to ebb and flow with different needs.

A solution is to add supplemental solutions on top of the primary plan to cover the gaps, but some types of supplemental options are still limited. For instance, health accounts (like FSAs) have low contribution limits and not everyone is eligible. Voluntary plans, like hospital indemnity and cancer-only plans, are limited to a specific event (like hospitalization) or disease (like cancer) which still leaves sizable holes.

Enter Expense Reimbursed Insured Plans

Expense reimbursed insured plans are a type of supplemental plan that can be added on top of the primary plan, but it’s different from other supplemental solutions.

They can be offered to select employee classes, even executives and owners. These plans also offer real insurance coverage, not just dollars in dollars out funds like with health accounts. Expense reimbursed insurance is also designed to reimburse for a variety of types of healthcare expenses without event-driven conditions. In other words, these plans have more flexibility and power than other types of supplemental plans.

Ultimate Health is an expense reimbursed insured plan that has the power to cover routine expenses, special expenses and the unexpected expenses, too. Check out this interactive infographic to discover stories of families in different life and health stages, and see how Ultimate Health has the flexibility to ebb and flow and help them all.