Protect Against Medical Costs with Supplemental Insurance

And Why Supplemental Insurance Matters More Than Ever

On April 30, 2025, what should’ve been an exciting day at the ballpark turned into a life-altering tragedy. During a Pittsburgh Pirates game at PNC Park, 20-year-old Kavan Markwood fell 21 feet from the stands while celebrating a play. The impact left him with severe injuries: a broken neck, back, and clavicle. He was rushed to Allegheny General Hospital in critical condition.

Thankfully, Kavan is now awake, alert, and beginning the long road to recovery. A GoFundMe campaign has raised over $40,000 to help with medical costs. The outpouring of community support has been heartwarming—but it also raises an important question:

What happens when the headlines fade and the bills keep coming?

Why Primary Health Insurance Isn’t Always Enough

Most people assume that their major medical insurance will take care of everything. Unfortunately, even with good health coverage, there are gaps - and those gaps can be financially devastating.

Here are just a few out-of-pocket expenses that can pile up after a serious accident:

• High deductibles and co-pays

• Emergency transport and ER fees

• Lost wages due to recovery time

• Rehabilitation and home care

• Travel and lodging for family members

This is where supplemental insurance steps in.

What Is Supplemental Insurance?

Supplemental health insurance is designed to pay cash benefits directly to you to help with costs that your regular health plan doesn’t fully cover. Two of the most relevant plans in cases like Kavan’s include:

AccidentWise® – Accidental Injury Insurance

AccidentWise provides a lump sum payout and benefit schedule for injuries resulting from covered accidents. Whether it’s a broken bone, ambulance ride, or overnight hospital stay, this plan helps reduce your financial stress while you focus on healing.

HospitalWise® – Hospital Indemnity Insurance

HospitalWise pays daily cash benefits for hospital stays, ICU care, and other inpatient services. It helps offset lost income and mounting bills while you're confined to a hospital bed - whether for one day or several days.

These policies are affordable, flexible, and paid directly to you - so you can use the money however you need: mortgage, rent, groceries, gas, or even childcare.

Crowdfunding Is Not Insurance

We’ve all seen the generosity that pours in through GoFundMe after a tragedy. But here’s the hard truth:
Crowdsourcing is not a financial plan. It’s a last resort.

Most campaigns don’t meet their goals. Donations slow over time. And relying on the kindness of strangers doesn’t provide peace of mind or sustainable financial protection.

Real insurance is proactive. It’s a safety net in place before disaster strikes.

Be Prepared for the Unexpected

Accidents don’t give warnings. Whether you're heading to a ballgame, commuting to work, or just out running errands—life can change in an instant.

If you’re relying on standard health insurance alone, you may be one accident away from financial hardship. Don’t wait until the unexpected becomes your reality.

Let’s Talk.

If you’d like to learn more about AccidentWise, HospitalWise, or how supplemental insurance can protect your family from life’s curveballs, I’d be happy to walk you through it.

👉 Call or text me at 619.754.5021
👉 Schedule a free consultation here.

Protect more than your health, protect your future.