Indemnity & Supplemental Plans

Indemnity & Supplemental Insurance in Mississippi & Louisiana

Added Protection for the Gaps in Your Coverage

Health insurance doesn’t always cover everything—and even Medicare or Marketplace plans can leave you with out-of-pocket expenses. That’s where supplemental and indemnity plans come in.


At ANDCO Insurance Agency, we help you explore affordable ways to boost your coverage and protect your finances.

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What Are Indemnity Plans?

Indemnity plans provide cash benefits paid directly to you—not to a doctor or hospital. You can use the funds however you choose: medical bills, transportation, and help with everyday expenses like utilities or lost wages from time off work..


These plans often help with:

Hospital stays or ER visits

Accidents or injuries

Critical illnesses (like cancer or heart attack)

Even with great insurance, these unexpected costs can add up. We’ll help you find the right safety net.


Contact Us to discuss options for extra protection.

What Are Supplemental Plans?

Supplemental insurance works alongside your existing coverage to reduce or cover out-of-pocket costs—especially deductibles, co-pays, and uncovered services.


These can include:


  • Hospital indemnity plans
  • Accident & critical illness coverage
  • Short-term disability
  • Cancer-specific policies

Not sure which type makes sense for you? That’s where we come in.

 Who Needs Indemnity or Supplemental Coverage?

These plans are ideal for:


  • People with high-deductible health plans
  • Those on fixed incomes who want cost predictability
  • Families looking to protect against unexpected medical bills
  • Anyone with Medicare or ACA plans who wants added peace of mind

Whether you're in Picayune, Slidell, or anywhere in Mississippi or Louisiana—we'll help you protect your health and your wallet.

Our Process – Simple and Personalized

Step 1

Talk With Us

We learn about your current coverage and where you might be exposed.

Step 2

Review Plan Options

We explain the differences between indemnity and supplemental plans—and how they could benefit you.

Step 3

Choose With Confidence

We help you enroll in the right plan and stay available to answer questions as your needs change.

Frequently Asked Questions

  • Can I use these plans with Medicare or ACA coverage?

    Yes. These plans are designed to work alongside your existing coverage—not replace it.

  • What’s the difference between indemnity and supplemental insurance?

    Indemnity pays you cash directly. Supplemental plans typically help cover specific out-of-pocket costs tied to your main insurance plan.

  • How much do these plans cost?

    Most are surprisingly affordable—especially compared to what a single hospital visit could cost without them. We’ll walk you through options based on your budget.

Contact Us to get your questions answered.

Protect More. Stress Less. Let’s Talk Supplemental Coverage.

From unexpected accidents to high deductibles, we help you close the coverage gaps with smart, affordable protection.

Request a Free Consultation