Most likely, your health insurance plan doesn’t cover everything. Paying co-pays, paying for prescriptions, or paying out-of-pocket for vision and dental expenses can quickly add up. Supplemental Insurance is designed to help cover the remaining costs of those expenses not covered by your major medical insurance. Supplemental insurance is not for everyone though. If you are a generally healthy person whose current health insurance covers most of your medical expenses, you may not need it. But, if you are currently paying expensive co-pays, making high premium payments, or are increasingly unhealthy, Supplemental Insurance may very well help.