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Washington National Insurance
Supplemental Insurance - What Is It, and Do I Need It?
You already have health insurance. So why would you consider supplemental insurance?
Because your health insurance and supplemental insurance do two different jobs.
Your health insurance helps cover the cost of medical care. Supplemental insurance can provide cash benefits directly to you when a covered accident, hospital stay or critical illness occurs. Depending on the policy and covered event, that money can help with deductibles and copays - or everyday expenses such as groceries, transportation, childcare and household bills while you recover.
Think of it as an additional layer of financial protection for you and your family.
Washington National offers DPSOA members access to voluntary supplemental insurance options for accidents, hospital stays and critical illnesses. Participation is completely voluntary, and there is no pressure to enroll. The goal is simply to help you understand the options available so you can decide whether supplemental coverage makes sense for you and your family.
Accident Insurance
For the unexpected injury.
Accident Insurance provides specified cash benefits for covered accidental injuries and related treatment. Depending on the injury and coverage selected, benefits may include emergency room care, ambulance transportation, hospitalization, fractures, dislocations, rehabilitation and other covered services.
Think: a broken leg, torn ligament, accident requiring an ER visit, or an injury that results in hospitalization.
Hospital Indemnity Insurance
For an unexpected hospital stay.
Hospital Indemnity Insurance provides fixed cash benefits when a covered person is hospitalized or meets other covered conditions under the policy. The benefit is paid directly to you rather than to the hospital, giving you flexibility in how you use the money.
Think: helping offset a deductible, copay, travel costs, groceries, childcare or household expenses while you or a family member is hospitalized.
Critical Illness Insurance
For a life-changing diagnosis.
Critical Illness Insurance can provide a lump-sum cash benefit following diagnosis of a covered critical illness. Members may choose coverage for cancer, heart attack and stroke, with several benefit amounts and coverage combinations available.
Think: money that can help bridge the financial gap while you focus on treatment and recovery.
Have Questions? Talk to a Real Person.
You don't have to figure this out by yourself.
Supplemental insurance can be confusing, and everyone's needs are different. DPSOA members have access to Washington National representatives who can explain available coverage and help you evaluate your options.
There is no online enrollment portal and no expectation that you make an immediate decision. If you're interested in learning more, contact Diana Martinez. She can answer questions and arrange for a representative to meet with you virtually.
Already have Washington National coverage and need help with a claim? DPSOA members also have access to a dedicated claims assistant. Diana and Duni have personally assisted DPSOA members through the claims process.
Your WASHINGTON NATIONAL contacts are:
Account Manager:
Diana Martinez
Claims Assistant:
Duni Dake
For your convenience, we have created a DIGITAL MEMBER RESOURCE PAGE QR CODE
Please use this QR Code to access contact information, plan description and additional Association benefits.
Everything in One Place
Scan the QR code to access the DPSOA Washington National Digital Member Resource Page, where members can:
Watch videos explaining how the plans work and how they may help.
Review available benefit information.
Access Member Resources and Manage My Policies after enrolling.
Find contact information for assistance with coverage and claims.
What Does Supplemental Coverage Cost?
Cost varies depending on the type and level of coverage you select, your age and other factors that may apply to the policy. Diana can provide an individualized quote based on the coverage you're considering.
Accident Insurance has set monthly rates for DPSOA members, beginning at $30.54/month for individual Level 3 coverage and $37.53/month for individual Level 4 coverage, with spouse, child and family options available.
According to Washington National, Critical Illness plans can begin around $15/month and range to approximately $120/month, while Hospital Indemnity plans can range from approximately $38/month to more than $150/month, depending on factors including age, tobacco use, coverage level and covered dependents.