Supplemental insurance is extra or additional insurance that helps you pay for things your standard insurance doesn't cover. Combined Insurance pays cash benefits directly to you so you can use the money to help pay for out-of-pocket medical costs, lost wages or other unexpected expenses due to illness or injury. First we do a Needs Assessment With the Needs Assessment worksheet to see if you and your family have the insurance protection you need. We DO NOT sell anything you do not need or ask for. All at little or no cost to you at all!