It's a good way to make sure you have enough coverage for situations that are typically expensive, but it isn't a substitute for regular health insurance.

• Cancer insurance
• Accident insurance
• Disability insurance
• Hospital indemnity insurance

If you find yourself in this kind of a situation, supplemental health insurance can help your family stay out of debt and keep your current standard of living.

So what does it cover? Typically, it helps with expenses that might not be covered by worker's compensation or your regular health insurance, like your deductibles.

Supplemental health insurance can also help with indirect expenses. The things you don't really think about popping up. Like if you need to send a child to day care, or if you need to pay to travel a long distance to get the best possible care.

Depending on the policy you choose, it could also cover your monthly bills while you're out of work and other aspects of daily life.

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• Parents with children who depend on them
• People with limited savings
• Those who want extra security in the case of a crisis
• People with limited health insurance coverage
• People with demanding careers
• Those who are at higher risk for cancer

Allstate also offers supplemental health insurance for the workplace. We work with each of our corporate clients to evaluate their employee benefit programs and offer solutions that enhance their overall benefit choices, while containing costs.