Protect Your Workforce with Umbrella Health Benefits

Comprehensive Supplemental Insurance for Your Dedicated Employees

SUPPLEMENTAL HEALTH COVERAGE NATIONWIDE

Better Benefits for Your Business and Your Team

Umbrella Health Benefits provides specialized supplemental insurance coverages designed to protect employees from the financial burden of serious illness or injury. Operating Nationwide, we partner with businesses to offer high-value benefits that are 100% free for employees, while being easily managed through payroll deduction.

The two happy businessmen handshaking over the glass in the office

How it Works for Employers

Employee-Funded: Employees pay the premium to provide an elite safety net for them and their families.
Employer Group: Employers create a group for free so employees can get group-rate coverage.
Employee Retention: These benefits help with long-term employee retention.

Why Employees Love It

Direct Payments: Benefits are paid directly to the policyholder, not hospitals.
Total Portability: Employees keep their coverage even if they leave the company.
Locked-In Rates: Premiums never increase due to age.
Return of Premium: A 100% return of premium feature ensures value for every participant.

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HEALTH AND ACCIDENT PROTECTION

Comprehensive Coverages for Your Entire Family

Umbrella Health Benefits offers robust supplemental insurance that fills the gaps left by traditional health plans. Our policies provide a financial cushion during life's most challenging moments, ensuring that your employees and their families are protected Nationwide. All coverages are available to the employee, their spouse, and their children.

PROTECTING YOUR HEALTH

Specialized Medical Coverages

We provide targeted financial support for a wide range of medical events:

Cancer Coverage

Comprehensive protection for all types of cancer diagnoses.

Heart and Stroke

Dedicated benefits for cardiovascular events and recovery.

Accidental Injuries

Coverage for injuries sustained both on and off the job.

Hospitalization

Support for any hospital stay, including sickness and pregnancy.

MAXIMIZING YOUR VALUE

Why Choose Us

Our plans are designed with the policyholder in mind, offering unique features that traditional insurance often lacks:

• 100% Return of Premium:

A powerful feature that ensures your investment is returned.

• Direct-To-You Payments:

All benefits are paid directly to you, not the doctor or hospital.

• Locked-In Rates:

Your premiums will never increase because of your age.

• Full Portability:

You own the policy, meaning it stays with you even if you change jobs.

• Easy Administration:

All premiums are efficiently handled via payroll deduction.

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A PROVEN MODEL OF PROTECTION

Serving Leading Organizations Across the Country

While Umbrella Health Benefits maintains a deep-rooted history of protecting major public sector institutions and first responders, our specialized supplemental insurance programs are available Nationwide. We bring the same high-level security and 100% return of premium benefits to businesses of all sizes, regardless of their location.

NATIONWIDE REACH, LOCAL IMPACT

Our Growing Impact

From large-scale government agencies to growing private enterprises, we provide a seamless benefits experience that spans state lines. Our work with high-pressure public service departments demonstrates our ability to handle complex, high-stakes coverage needs for any workforce.

Featured Organizations We Protect

National First Responder Support

Trusted by fire and police departments in major metropolitan hubs, including Miami, Jacksonville, Orlando, and beyond.

State and Local Government

Managing comprehensive benefits for state attorneys, county governments, and highway patrol agencies.

Educational Systems

Providing stable, portable coverage for large-scale school districts and academic staff.

Private Sector Businesses

Tailoring employer-paid, employee-free solutions for companies in all 50 states.

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Secure Your Team’s Future with Umbrella Health Benefits

Ready to provide your employees with elite supplemental protection at no cost to them? Umbrella Health Benefits makes it easy to enhance your benefits package. Fill out the form, and our team will get in touch to discuss a custom solution for your business.