When you think about the word "supplemental," what comes to mind? Something less important? An add-on? A bonus rather than a necessity? 

Now consider supplemental benefits. While not the foundation of a benefit package, they shouldn't be demoted to second class status. Supplemental benefits — coverage for accidents and serious illnesses — meet a unique need that core benefits don't satisfy. That makes them important in an integrated benefit package, not lesser. 

Addressing coverage gaps

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