How supplemental health benefits work
Life has a way of happening right when you’ve made plans.
And it’s in those unexpected times that extra financial protection can go a very long way — so you don’t have to choose between taking care of your health, or taking care of everyday expenses.
49% of Americans have skipped or avoided doctor appointments, missed routine screenings, or put off seeing a specialist because of high out-of-pocket medical costs.²
About 20% of Americans would have to borrow to pay a medical bill above $999, and about 68% would have to borrow to pay a medical bill above $9,999.²
1 The child must be insured by the plan on the date of the accident occurred and must be 18 years of age or younger. Proof of registration required at the time of claim.
2 All sources are from Guardian's 2025 Mind, Body, and Wallet® report, Guardian Workplace Benefits Study, 2025
3 Based on Guardian internal data.
In New York, Critical Illness is referred to as Specified Disease.
In Colorado, Hospital Indemnity is referred to as Accident/Sickness Indemnity Coverage.
Group Insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.
GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America®
