The Service Member Health BridgeSupplemental Insurance
Cash Benefits
Cash benefits that ride alongside VA, TRICARE, or marketplace coverage.
Primary health coverage pays the hospital. Supplemental coverage pays you — for the rent, the car payment, the income lost during recovery.
Three layers
The supplemental layers most veterans actually use.
01
Accident
$12–30/mo
Pays cash for ER visits, fractures, ambulance, follow-up PT. Used by active families and veterans in physical trades.
02
Critical Illness
$20–45/mo
Lump-sum payout — typically $10,000 to $100,000 — on first diagnosis of cancer, heart attack, stroke, or organ failure.
03
Hospital Indemnity
$25–60/mo
Fixed daily benefit ($100–500/day) per night admitted. Higher payouts for ICU. Pairs well with HDHP marketplace plans.
When it fits
Supplemental makes sense if…
- You carry a high-deductible ACA marketplace plan (deductible above $3,000)
- You're self-employed or 1099 with no employer disability
- You're the sole earner in a single-income household
- You have family history of cancer, heart disease, or stroke
- Your emergency savings wouldn't cover 3 months of bills
- You work in a physically demanding trade post-service