Supplemental health insurance refers to additional coverage that individuals can purchase to complement their primary health insurance plans. While primary health insurance typically covers basic medical expenses, supplemental health insurance helps offset out-of-pocket costs, copayments, deductibles, and expenses not covered by the primary insurance.

Supplemental health insurance plans can vary widely and may cover specific areas such as dental care, vision care, prescription drugs, critical illness, accident coverage, or long-term care. These plans can be particularly beneficial for individuals who anticipate high medical expenses or have specific health needs not fully covered by their primary insurance.

Overall, supplemental health insurance helps individuals manage unexpected healthcare costs and provides additional financial protection beyond what is offered by their primary health insurance plan.