Below is a list of commonly asked questions.  If we did not answer your question here, please call us at toll-free 1-800-427-9141 or email us.

Are you the insurance company or a broker?

We are insurance brokers who represent a number of different top rated insurance companies.  Companies we represent all have at least an "A" rating by A.M. Best.  We don't want you to lose sleep over your insurance policy.

What are your business hours?

Our normal business hours are Monday - Friday 8am - 8pm EST and Saturday 9am - 4pm EST.  However, most of our agents after business hours through their direct extension.

What types of insurance do you offer?

We currently offer Supplemental Health Insurance, Cancer Insurance, Heartcare Insurance, Accident Indemnity Insurance, Disability and Life Insurance. 

What is the process of getting insurance through eSupplemental.com?

Once you fill out a quote request form, we get started personally preparing a quote for you.  We first email this quote to you and follow-up with a phone call to talk about your needs a little further.  Once you decide which products fit your needs, we take the application over the phone.  We then email, fax or mail a complete application packet for you to sign and mail back to us.

Different products have different time frames of getting issued.  A policy can take anywhere from 1 week to 5 weeks to get issued.  Ask your agent what the normal time frame is for the product you are interested in.

I am looking for a Supplemental Medicare Policy?

We currently do not offer Medicare supplements or Medigap plans.

What happens if I need to make a claim?

You would simply give us a call at our toll-free # and let us know you need to make a claim.  We will start filling out your claim papers for you and fax any documents which are required to sign. 

I have a pre-existing condition, will I get coverage?

Depending on the policy you may or may not get coverage.  It all depends on what the pre-existing condition is.  Consult with your eSupplemental.com agent regarding any pre-existing conditions you have.

I have great medical insurance, why do I need your policies?

Most times with medical insurance you will have co-pays and deductibles.  Supplemental Insurance will help you with these by paying you cash directly.  Major medical insurance will not pay your have-to bills like the mortgage, car, gas/electric payment.  These are bills you have to pay no matter what.  Supplemental insurance is going to provide you with the cash so that you don't have to change your lifestyle or go broke because of a sickness or accident.