Some supplemental insurance can also help you keep up with other costs associated with illnesses and hospital stays, such as lost wages and temporary lodging. While regular health insurance plans usually pay directly to the hospital, many supplemental policies will send the money to you. You can spend your supplemental insurance money as you , What is supplemental insurance? Supplemental Health Insurance 1 and Supplemental Health Insurance Plus 2 is additional insurance you can purchase to help individuals and families deal with additional medical costs and the extra costs associated with hospital stays. Get a Supplemental Health or Supplemental Health Plus quote*, Supplemental insurance costs also vary by how you purchase coverage. For example, buying disability insurance through an employer will generally mean lower costs compared to buying an individual , , , .