406 Insurance · Hamilton, Montana
Accident and critical illness
Cash paid to you after a covered accident, illness or hospital stay.
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Who this is for
The people we usually see for this
Anyone whose finances would feel an injury, a heart attack or a hospital stay. A young worker without much saved. A family juggling a mortgage and a high deductible. A contractor or ranch hand whose paycheck depends on being able to work. Someone in retirement protecting what took a lifetime to build.
What people get wrong
Waiting for something to happen before looking at it. By then, underwriting or eligibility rules may narrow the options.
This is supplemental coverage. It is not health insurance and it does not replace health insurance. It pays you directly, so the money can go to the deductible, the mortgage, fuel for trips to treatment in Missoula, or the income you lose while you recover.
Our work
Where we come in
Hardly anyone calls asking for this by name. It usually comes up when we sit down and look at your whole situation.
We compare what you have against what you'd need to stay afloat: your out-of-pocket exposure, your income, the people relying on you. Then we show you the gaps, what closing each one would cost, and the trade-offs, so you can decide.
What working together actually looks like
We begin with the coverage you already carry and what you're trying to protect. We ask about the things that keep you up at night, and we build options around them.
Each year we revisit it, because a young family and a new retiree need different things.
Carriers we compare
Questions about this coverage
What people ask most often about this one, answered the way we would answer on the phone.
Supplemental insurance can include indemnity based policies for hospital stays, accidents, cancer, heart attack, stroke and other covered events. These policies pay a stated benefit when a covered event occurs, based on the terms of the policy.
Benefits are generally paid directly to you and can be used however you choose, whether that is medical expenses, household bills, lost income or other financial needs. We can help you understand the different types of supplemental coverage and where they may fit into your overall protection plan.
Protection planning means looking at the bigger picture rather than buying one insurance policy. We take the time to understand your health coverage, your family, your income, your responsibilities, your stage of life, and the financial risks you want to protect against.
Absolutely. Insurance and protection needs change through every season of life. You may be buying your own health insurance, starting a family, protecting your income or your business, building a financial safety net, planning for retirement, creating a legacy, or looking for ways to help protect the next generation.
Our goal is to look at the bigger picture, meaning health insurance, life insurance, income protection, supplemental coverage, long term care planning and more, and to help your coverage evolve as your life does. We want to be a resource you can turn to along the way.
You might also want to look at
People who buy their own health coverage often end up asking about these.
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Accident, critical illness and hospital coverage that pays you directly when a health event hits your finances too.
For people on Original Medicare, often with a Supplement, who need separate drug coverage.
Coverage that pays an agreed amount directly to you after a covered diagnosis, so you can put your energy into getting well.
Still deciding whether this is right for you?
That is the conversation, not the paperwork. Tell us what you have now and what you are trying to protect, and we will walk through whether this fits.
