NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.
We do not offer every plan available in your area. Currently we represent 5 organizations which offer 30 products in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227) TTY: 711, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Cancer insurance, hospital indemnity, accident, critical illness, and dental/vision plans for Lakeland and Polk County residents. Fill the financial gaps your primary insurance leaves behind.
Even with solid health insurance — whether that's Medicare, a Medigap supplement, or an ACA marketplace plan — a serious health event can create significant financial stress. Deductibles, copays, non-covered treatments, lost income, and everyday living expenses don't stop when you're sick or injured. Supplemental insurance is designed to address exactly that gap.
Unlike traditional health insurance that pays medical providers directly, supplemental plans pay you — cash benefits you can use for anything you need. There are no restrictions on how you spend the money. Pay your deductible, cover your mortgage while you're out of work, or use it for experimental treatments your health plan won't cover. It's your money.
At Bumgardner Insurance Group, we help Lakeland and Polk County residents build a complete financial protection strategy — starting with the right primary coverage and layering in supplemental products that address your specific risks and concerns. Our consultations are always free.
We work with multiple carriers to compare supplemental options for Lakeland and Polk County residents. Here are the main types of supplemental coverage we help people get.
Cancer is one of the most financially devastating diagnoses a person can face. Even with Medicare or ACA coverage, cancer treatment often involves costs that far exceed what health insurance covers — specialists, experimental treatments, travel to cancer centers, extended recovery time, and months away from work.
Cancer insurance pays lump-sum or per-treatment cash benefits directly to you upon diagnosis and throughout treatment. Florida has one of the highest cancer incidence rates in the nation, making this a meaningful consideration for Lakeland and Polk County residents — especially those with a family history.
Hospital indemnity insurance pays you a fixed daily cash benefit for every day you're hospitalized — regardless of what your health insurance pays the hospital. A typical plan might pay $200-500 per day of inpatient care.
This is particularly valuable for Medicare Advantage enrollees who face copays for hospital stays, or for ACA plan holders with high deductibles. The average Florida hospital stay runs 4-5 days — at $300/day, that's $1,200-1,500 in cash benefits to offset your out-of-pocket costs.
Accident insurance pays cash benefits when you're injured in a covered accident — whether it's a broken bone from a fall, a car accident, a sports injury, or any unexpected physical trauma. Benefits are paid based on the type and severity of injury, not on what your health insurance paid.
Accidents are unpredictable and often strike people who are otherwise healthy. Accident coverage is one of the most affordable supplemental options and can be especially valuable for active Lakeland residents, parents of young children, or anyone who works in a physical occupation.
Critical illness insurance pays a lump-sum cash benefit when you're diagnosed with a covered serious condition — typically including heart attack, stroke, kidney failure, major organ transplant, and certain cancers. You receive a set amount (such as $10,000, $25,000, or $50,000) directly, to use however you need.
Surviving a critical illness often means months of reduced income and ongoing costs that health insurance doesn't address. A lump-sum payment gives you breathing room to focus on recovery without financial panic. This is especially important for self-employed Lakeland residents and those without employer-paid sick leave.
Original Medicare does not cover routine dental, vision, or hearing. If you have a Medigap plan rather than Medicare Advantage, you'll need separate coverage for these benefits. Even many Medicare Advantage plans have limited dental and vision benefits that don't fully cover major dental work or premium eyewear.
Standalone dental, vision, and hearing plans provide focused coverage for these often-neglected but important areas of health. Dental plans in particular can save significant money on cleanings, fillings, crowns, and dentures. We help Lakeland residents find plans that include their preferred local dentists and vision providers.
Not sure which supplemental plans make sense for your situation? We'll walk through your existing coverage, your health history, and your financial priorities to find the right combination — at no cost to you.
Schedule Free ConsultationIf you have a Medicare Advantage plan, you already have an out-of-pocket maximum — but hospital copays, specialist visits, and extended illnesses can still add up quickly. Hospital indemnity and cancer plans pair naturally with Medicare Advantage to fill those remaining gaps.
If you have Medigap, dental, vision, and hearing plans are often the missing piece since Original Medicare doesn't cover those services.
High-deductible ACA plans leave significant financial exposure — often $3,000-8,000 before insurance kicks in. Hospital indemnity, accident, and critical illness plans are an affordable way to protect against that exposure. A $50/month accident policy can offset a $3,000 ER visit.
Without employer-provided sick pay or disability income, a serious illness or injury is both a health crisis and an income crisis. Supplemental cash benefits help Lakeland's self-employed residents maintain financial stability during recovery.
If cancer, heart disease, or stroke runs in your family, supplemental insurance is most affordable when you're young and healthy. Locking in a policy now means guaranteed coverage if you ever need it — often at rates far lower than waiting until you're older.
Supplemental insurance pays you cash benefits directly when you experience a covered event — like a cancer diagnosis, hospitalization, or accident. Unlike health insurance (which pays your doctors and hospitals), supplemental plans send money directly to you. You can use those funds for anything: deductibles, copays, mortgage, groceries, or any expense you have while dealing with a health event. Supplemental policies are designed to fill financial gaps that your primary health insurance leaves behind.
Many Lakeland residents find that even with Medicare or ACA coverage, a serious illness or accident creates unexpected out-of-pocket costs — deductibles, copays, non-covered services, and lost income. Supplemental policies layer on top of your existing coverage to provide a cash safety net. They're especially valuable if you have a high-deductible health plan, if you're self-employed without sick pay, or if you have a family history of cancer or heart disease.
Costs vary significantly based on your age, health, coverage type, and benefit amounts. Generally, accident-only plans start around $15-30/month. Hospital indemnity plans typically run $30-80/month. Cancer, critical illness, and heart/stroke plans range from $20-100+/month depending on age and benefit level. Many people carry multiple supplemental policies for total protection at a combined cost of $100-200/month — which can be far less than the out-of-pocket exposure they're protecting against.
It depends on the plan and condition. Some supplemental products have simplified underwriting with limited health questions. Others have elimination periods for pre-existing conditions — meaning they'll cover you, but won't pay benefits related to a pre-existing condition for an initial period (typically 12 months). We review options from multiple carriers to find plans where your specific health history is not an obstacle. The sooner you apply, the better your options — locking in rates and coverage while you're healthy is always advantageous.
Florida has one of the highest cancer incidence rates in the country, and a cancer diagnosis typically brings costs far beyond what health insurance covers — experimental treatments, travel to specialists, extended time off work, home care, and more. Cancer insurance pays lump-sum or per-treatment benefits that you control. For Lakeland and Polk County residents with a family history of cancer, or anyone who wants financial protection against one of the most common serious health events, cancer insurance provides meaningful peace of mind at a modest monthly cost.
Hospital indemnity insurance pays you a set daily cash benefit for every day you're hospitalized — for example, $300/day. Regardless of what your health insurance pays the hospital, you receive that cash directly. It helps cover your deductible, family expenses while you're hospitalized, transportation, childcare, or anything else. With the average hospital stay in Florida costing thousands of dollars in out-of-pocket costs even with insurance, hospital indemnity provides a reliable financial buffer.
We help Lakeland and Polk County residents layer the right supplemental coverage on top of their existing Medicare or health insurance — building financial protection that actually works when you need it. If you're a business owner, see how you can offer these benefits to employees at no cost to you through our voluntary worksite benefits program.
Schedule Your Free ConsultationThe Bumgardner Insurance Group is an independent insurance agency serving Lakeland, Winter Haven, Bartow, and all of Polk County. We are not affiliated with or endorsed by the United States government or the federal Medicare program. Supplemental insurance products are underwritten by private insurance carriers and subject to policy terms, conditions, and state availability. Information provided is for educational purposes.