Critical Illness & Supplemental · South Florida
A serious diagnosis shouldn't become a financial one.
Critical illness, cancer, heart attack, stroke, hospital indemnity and accident insurance for families across Fort Lauderdale, Boca Raton, Delray Beach and West Palm Beach. Cash paid directly to you — for rent, groceries, travel to treatment, or the deductible your major-medical plan won't touch.
Why supplemental coverage
Even great health insurance leaves a gap you can drive a truck through.
Major-medical plans pay hospitals. They don't pay the mortgage while you're recovering, they don't cover the drive from Delray to Sylvester Comprehensive Cancer Center, and they don't refill the fridge while a spouse takes unpaid leave. Supplemental insurance is the layer that keeps ordinary life running when something extraordinary happens.
A cancer, heart attack or stroke diagnosis in South Florida frequently comes with $10,000–$50,000 of out-of-pocket costs even for well-insured families. A single critical-illness policy — often under $30 a month — writes you a lump-sum check the moment a diagnosis is confirmed. That's the point of supplemental coverage: liquidity, fast, at the worst possible moment.
What we place
Cash-in-hand protection for the diagnoses that hit hardest.
Critical Illness Insurance
Lump-sum payout on diagnosis of covered conditions — you decide where the money goes.
Cancer Insurance
Coverage that triggers at diagnosis and pays through treatment — including travel, lodging and experimental therapies.
Heart Attack & Stroke Insurance
Fast-pay policies designed for the leading causes of hospitalization in Florida adults over 45.
Hospital Indemnity
A daily cash benefit for every night admitted — perfect against the rising deductibles inside most Florida ACA and employer plans.
Accident Insurance
Payouts for ER visits, fractures, dislocations, follow-up care and physical therapy — from a fender bender to a boating incident.
Bundled Health Add-ons
Layer critical illness, accident and hospital indemnity together to close nearly every out-of-pocket gap in one monthly premium.
Real scenarios
Who tends to actually use this coverage — and when.
The high-deductible family plan. A Broward family with a $6,000 individual / $12,000 family deductible adds a hospital indemnity rider for roughly $40/month. One hospital stay pays for years of premium.
The 55-year-old with a family history.Parents had cardiac issues in their 60s. A heart attack & stroke policy pays a lump sum on first diagnosis — often used to reduce hours at work during recovery.
The self-employed contractor. No sick leave, no short-term disability. Accident insurance and hospital indemnity replace income the moment work stops.
The cancer survivor. Post-diagnosis markets tighten quickly. We know which carriers accept which situations — and how to layer coverage so a recurrence doesn't blow up the household budget.
Free Quote
Layer supplemental coverage in for the cost of a dinner out.
Most PB & J clients close their biggest out-of-pocket gaps for $20–$60/month. Free quote in 24 hours.
Local advantage
South Florida–specific advice, not a national call-center script.
We know the major hospital networks across Broward and Palm Beach County, which supplemental carriers pay claims fastest for Florida ZIP codes, and how to coordinate supplemental coverage with your existing employer or ACA plan. That local familiarity is why clients from Fort Lauderdale to West Palm Beach send us their friends.
Frequently asked
Supplemental insurance questions we hear every week.
Is critical illness insurance the same as health insurance?+
No. Health insurance pays doctors, hospitals and pharmacies. Critical illness insurance pays you — a lump-sum cash benefit at diagnosis that you can spend on anything: mortgage, deductible, groceries, second opinions.
Do I need this if I already have good health insurance?+
Often yes. Even strong Florida employer or ACA plans leave $5,000–$15,000+ of exposure per major event through deductibles, coinsurance and out-of-network care. Supplemental policies are designed to plug exactly that gap.
How much does cancer insurance or a heart-attack plan cost?+
Most healthy adults in Broward or Palm Beach County can add meaningful supplemental coverage for $20–$60 per month. Rates depend on age, tobacco use and benefit amount — we quote it against your household budget.
What conditions are usually covered?+
Standard critical-illness policies cover heart attack, stroke, invasive cancer, kidney failure, major organ transplant and paralysis. Enhanced plans add Alzheimer's, Parkinson's, coma and severe burns.
Can I get coverage after a prior diagnosis?+
Sometimes — it depends on the condition, how long ago and the current status. We work with carriers that specialize in post-diagnosis underwriting so it's worth a five-minute conversation.
How fast does a claim pay?+
Reputable carriers pay lump-sum critical-illness and cancer claims within days to a few weeks of documentation. Hospital indemnity typically pays within two weeks of discharge.
Also from PB & J Insurance
The rest of your coverage, in one place.
Ready when you are
Close the gap before you need it.
Get a free supplemental insurance quote for your Broward or Palm Beach County household today.