Deductibles and out-of-pocket costs are different for each plan. Your plan documents will show how much you’re responsible for paying before benefits apply, as well as the maximum you may pay during your coverage period.

Most plans offer monthly payments, and some may allow you to pay for your coverage in full. Check your plan options at enrollment to see which payment methods are available.

Coverage is different for each plan. Some plans may offer limited preventive care or prescription benefits, but maternity care is generally not included. Check your plan details to see what’s covered.

Because supplemental health insurance doesn’t fall under the Patient Protection and Affordable Care Act (AKA Obamacare), most supplemental plans include a pre-existing condition exclusion clause (meaning they don’t cover pre-existing conditions) and/or require some form of medical underwriting and may also have a waiting period before covering specific conditions.

Every plan has exclusions and limits. These outline what isn’t covered or where coverage may be capped. Common examples include pre-existing conditions, services that aren’t medically necessary, or certain specialty treatments. It’s important to review your plan information so you know what’s included and what isn’t before you enroll.

Coverage for out-of-network care varies by plan. Some plans may offer limited benefits, while others may not cover out-of-network visits at all. Check your plan information so you know what to expect before you receive care.

You can check network status by reviewing your plan’s provider directory or contacting Customer Service at (888) 912-4767. It’s always a good idea to confirm before scheduling an appointment.

Reimbursement timelines can vary, but most claims are reviewed once all required information is received. You’ll be notified if anything else is needed to complete your claim.

Yes. If you need help with your plan, claims, or benefits, you can contact Customer Service at (888) 912-4767 and speak with a real person who can assist you and answer your questions.

Some plans may allow you to reapply for coverage, but automatic renewals are not always available. Review your plan options before your coverage ends to see what choices you have.

Life changes can affect your coverage needs. If you move, start a new job, or have a change in your household, you may need to update your information or explore new plan options. Contact Customer Service at (888) 912-4767 for guidance.

Commission structures vary by product and state. You’ll receive full details during the appointment process so you can review compensation before selling SGIC plans.

SGIC offers solutions designed to support brokers, partners, and strategic distribution. To discuss white-label or integration opportunities, contact Customer Service at (888) 912-4767 for more information.

SGIC shares member experiences through feedback, ratings, and testimonials to show how we support our members.

Yes. Southern Guaranty Insurance Company (SGIC) is a licensed and regulated insurance carrier. SGIC products are regulated in the states where they’re offered.

It means insurance products must meet the requirements established by each state where they’re offered. These requirements help govern how coverage is developed, communicated, and administered.

SGIC plans are supported by experienced, licensed administration. This connected approach helps provide accurate information, responsive service, and fewer unnecessary handoffs.

SGIC combines state-regulated insurance products, modern technology, and real human support to make coverage easier to understand and use. We call ourselves the Peace of Mind People because insurance should help you feel more confident—not more confused.

SGIC has earned an A+ rating from the Better Business Bureau—the organization’s highest possible rating.