Employers increasingly offer plans with higher deductibles, co-pays and co-insurance, leaving their employees with more medical debt and other costs associated with, say, a heart attack. In addition to medical expenses, the costs of travel for visits to a cardiac specialist, a spouse's stay in a hotel near the hospital, missed work income and even child care can add up quickly.

Employees can find themselves racking up not only medical bills from what health insurance doesn't cover, but also adding credit card debt for related expenditures. When offered supplemental insurance, it allows them access to policies that can help keep them from having to raid their savings or retirement funds.

Several types of supplemental insurance can help with benefits paid directly to your groups' employees in different health situations, such as insurance for cancer, critical illness and short-term disability. Some life insurance policies even offer living benefits that can pay a percentage of the death benefit if needed for long-term care.

Like the homeowner's insurance that would enable them to repair damage a tornado might do to their home, supplemental insurance would pay benefits should a health care catastrophe blow through their lives.

Don't let your groups leave their employees vulnerable to a spring storm season that can throw off their plans for winter.