Supplemental Insurance Questions Answered

Health Insurance has been a hot topic in the recent years. Supplemental Insurance can be your safety net for the items your main Medicare policy provided by social security. Medicare supplemental coverage can cover the 20% Medicare does not.  We’re here to answer your questions about what Supplemental Insurance is and how it can be an important piece of being properly covered.

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Supplemental Insurance Questions and Answers

  • What is Supplemental Insurance? - Supplemental Insurance is an insurance policy that covers the gaps that can exist in your healthcare coverage due to copays and deductibles.

  • How do I know if I need a Supplemental policy? - Supplemental policies can make financial sense if you have a high-deductible plan. Due to rising costs, a high-deductible plan may make have been your policy choice. But when the unexpected happens, an affordable Supplemental policy can help pay the deductible and costs or they may pay out a lump sum when you are eligible for the needed coverage.

  • What kinds of Supplemental Insurance policies are available? - The most common Supplemental policies include; vision, dental and accident coverage. You can also get an additional prescription plan over and above what is provided on part B of your social security.

  • Why pay for Supplemental Insurance when I’m already paying for a Healthcare policy? - Supplemental Insurance is very affordable; commonly these plans are as low as $12 per month for an individual and between $20-$30 per month for a family. This cost is far less expensive than covering a high-deductible when the unexpected occurs.


Navigating the pros and cons of Supplemental Insurance can seem overwhelming. We’re here to help you find the best coverage and policies that make the most sense for you and your specific needs. We’re happy to review your current coverage and to help you fill in the gaps for the most complete coverage possible.

Contact us and let’s review your coverage as you prepare for 2017!

Call 1-800-251-0762 or click here to make an appointment.

Posted on November 30, 2016 and filed under Health Insurance.

Back-to-School for Businesses: Worker's Compensation Insurance

It’s Back-to-School time again, and while it’s the perfect time for students to pick up their learning, it’s also a great time for businesses to refresh their knowledge on their insurance coverage.  If you’re a business owner, Worker’s Compensation Insurance is an area you may want to brush up on. We’ve put together a checklist of what you need to know and are here to help you make sure that each item is being taken care of for your business.


Posted on September 12, 2016 .

Stay Protected with Crop Insurance

At Kearby Insurance, we’re proud of our local Yuba and Sutter Buttes farmers and their dedication to providing quality produce to our communities. After working with farmers for the past 40 years, we understand the financial risks, as well as the strict adherence to the policies and provisions that are involved. If you’re a farmer, keep reading about how Kearby Insurance can help you with crop insurance.

Posted on August 23, 2016 and filed under Crop.