The Real Conversation
Here's what happens in South Louisiana every day.
The gap isn't in coverage — it's in the cash to survive the wait. Supplemental benefits change that story, one employee at a time.
of Louisiana residents are uninsured — but the bigger crisis is the 47% who have employer coverage yet still can’t afford to use it when it matters.
of covered workers face coinsurance when hospitalized, with an average 20% of hospital costs still owed after insurance pays.
of workers earning under $75k could cover an unexpected $2,000 medical expense from savings alone. (Federal Reserve, 2024)
Employer — Metairie Restaurant Owner
"My cook has insurance through us. Then he broke his wrist and missed 3 weeks. The insurance covered the surgery but not the paycheck. He almost quit."
Employee — Warehouse Worker, Kenner
"I have a $5,000 deductible. When my wife was hospitalized, I put $4,200 on a credit card. We’re still paying it off 18 months later."
Employer — Construction Firm, Metairie
"I want to take care of my guys but I can’t afford a Cadillac plan. Is there something I can give them that actually helps without blowing my budget?"
The Answer — Chubb Supplemental Benefits
Cash paid directly to the employee — not to the hospital — for accidents, hospitalization, cancer, critical illness, and more. Employers can offer it at no cost, and employees keep it even if they change jobs.
→ Starts at $0 cost to the employer. Employee premiums as low as $8–$15/mo.
