Combined Insurance

Combined Insurance is a leading provider of supplemental and worksite insurance designed to help individuals and employees manage out-of-pocket expenses related to accidents, illness, and unexpected life events.

At Midwest Supplemental Partners, Combined Insurance forms the foundation of our supplemental offerings—supporting employers, individuals, and families across the Midwest with coverage that complements existing insurance and provides added financial protection when it’s needed most.

How Combined Insurance Helps

Combined Insurance offers supplemental coverage that may help with:

Accident-related expenses
Hospital stays and critical illness events
Income disruption during recovery
Financial gaps created by high-deductible health plans

This coverage is designed to provide financial support and peace of mind during challenging times.

Combined Insurance for Employers

Many Midwest employers use Combined Insurance as part of their worksite benefits strategy.

Benefits for Employers:

No direct cost to the employer (employee-paid options)
Easy payroll deduction
Improved employee retention and engagement
Added value without increasing overhead

Combined Insurance is especially well-suited for small and mid-sized businesses looking to strengthen their benefits offering without adding complexity.

➡️ Learn more on our Employers page.

Combined Insurance for Individuals and Families

Individuals and families also benefit from Combined Insurance supplemental coverage—especially those who:

Have high-deductible health plans
Are self-employed or without employer-sponsored benefits
Want added financial protection beyond major medical insurance

Combined Insurance provides flexible coverage designed to support real-life needs.

➡️ Learn more on our Individuals & Families page.

Why Work With Midwest Supplemental Partners?

Choosing the right supplemental insurance isn’t just about products—it’s about guidance.

With 30 years in the business of people, Midwest Supplemental Partners brings an HR-informed, consultative approach to offering Combined Insurance coverage. We help clients understand how coverage works, how it fits with existing benefits, and how to make informed decisions without pressure.

Supplemental Coverage for Employers and Individuals

Combined Insurance is a leading provider of supplemental and worksite insurance designed to help individuals and employees manage out-of-pocket expenses related to accidents, illness, and unexpected life events.

At Midwest Supplemental Partners, Combined Insurance forms the foundation of our supplemental offerings—supporting employers, individuals, and families across the Midwest with coverage that complements existing insurance and provides added financial protection when it’s needed most.

What Is Supplemental Insurance?

Supplemental insurance is designed to work alongside major medical insurance, not replace it.

When an accident, illness, or hospitalization occurs, supplemental benefits can help cover costs that traditional health insurance may not fully pay—such as deductibles, co-pays, lost income, and everyday expenses.

Benefits are typically paid directly to the insured, giving flexibility in how funds are used.

How Combined Insurance Helps

Combined Insurance for Employers

Combined Insurance for Individuals and Families

Why Work With Midwest Supplemental Partners?

Speak With A Midwest Combined Insurance Agent