Meet our modern supplemental health insurance plan.

We reimagined supplemental health insurance to ease the burden of sudden, unexpected medical expenses. Here's how it works.

Sample Brella Plan

Benefit Amounts
Moderate Condition
$400
Severe Condition
$1,000
Catastrophic Condition
$3,000
Brella Insurance illustration of woman in beanie

Injuries and illnesses come in all shapes and sizes–

So our plan covers a broad spectrum. Brella pays benefits for 13,000+ covered conditions. How much is up to you.

Payouts are selected during enrollment and members can claim a benefit if they’re diagnosed with a covered condition. All Moderate conditions get the Moderate benefit payout. Severe and Catastrophic conditions get more.

We cover the common conditions that could put a dent in your savings.

With 13,000 covered conditions, the list of what Brella covers is too long to show you here.

To learn more, see sample conditions.

10%

of adults will have kidney stones in their lifetime. We cover that.

6.3M

bones are broken every year in the U.S. They’re covered.

250K

appendicitis cases are reported every year. We cover that too.

1 in 10

babies are born preterm every year in the U.S. They’re covered.

1M

adults will go to the hospital for pneumonia this year. It’s covered.

250K

torn ACLs happen in the U.S. every year. We cover that too.

25%

of women will have a benign breast mass. We cover that too.

1M

hernias require surgical repair every year. That's covered.

800K

adults have a heart attack every year in the U.S. They’re covered.

1.8M

U.S. adults will be diagnosed with cancer this year. It's covered.

Marcus's Story

Marcus has two kids and a $3,000 health insurance deductible.


In January, he tore his ACL and received a $2,000 Severe benefit. In April, he took his daughter to the ER for dehydration and received a $500 Moderate benefit.

Note: these aren’t real people. The following examples illustrate how Brella works for families and health issues of all shapes and sizes.

Marcus's Plan

Benefit Amounts
Moderate Condition
$500
Severe Condition
$2,000
Catastrophic Condition
$3,000
Father carrying two young children

Serena's Story

Serena is a married mom of 3. She has a $5,000 health insurance deductible.

Serena was diagnosed with breast cancer and received a Catastrophic benefit of $7,500. When she was still in treatment 90 days later, she filed another claim and received an additional benefit of $7,500.

Note: these aren’t real people. The following examples illustrate how Brella works for families and health issues of all shapes and sizes.

Serena's Plan

Benefit Amounts
Moderate Condition
$700
Severe Condition
$2,000
Catastrophic Condition
$7,500
African American woman holding her baby

Ray's Story

Ray is single and he has a $1,500 health insurance deductible.

Ray was hospitalized for COVID-19 where he was diagnosed with Pneumonia, Acute Respiratory Failure, and Sepsis. He received a Moderate, Severe, and Catastrophic benefit from Brella for a total of $9,500.

Note: these aren’t real people. The following examples illustrate how Brella works for families and health issues of all shapes and sizes.

Ray's Plan

Benefit Amounts
Moderate Condition
$500
Severe Condition
$1,500
Catastrophic Condition
$7,500
Middle-aged hispanic man smiling in garden

Marcus's Story

Marcus has two kids and a $3,000 health insurance deductible.


In January, he broke his femur and received a $2,000 severe benefit. In April, he took his daughter to the ER for dehydration and received a $500 moderate benefit.

Note: these aren’t real people. The following examples illustrate how Brella works for families and health issues of all shapes and sizes.

Marcus's Plan

Benefit Amounts
Moderate Condition
$500
Severe Condition
$2,000
Catastrophic Condition
$3,000
African American woman holding her baby

Serena's Story

Serena is a married mom of 3. She has a $5,000 health insurance deductible.

Serena was diagnosed with breast cancer and received a catastrophic benefit of $7,500. When she was still in treatment 90 days later, she filed another claim and received an additional benefit of $7,500.

Note: these aren’t real people. The following examples illustrate how Brella works for families and health issues of all shapes and sizes.

Serena's Plan

Benefit Amounts
Moderate Condition
$700
Severe Condition
$2,000
Catastrophic Condition
$7,500
Middle-aged hispanic man smiling in garden

Ray's Story

Ray is single and he has a $1,500 health insurance deductible.

Ray was hospitalized for COVID-19 where he was diagnosed with Pneumonia, Acute Respiratory Failure, and Sepsis. He received a Moderate, Severe, and Catastrophic benefit from Brella for a total of $9,500.

Note: these aren’t real people. The following examples illustrate how Brella works for families and health issues of all shapes and sizes.

Ray's Plan

Benefit Amounts
Moderate Condition
$500
Severe Condition
$1,500
Catastrophic Condition
$7,500

Dedicated Concierge support every step of the way.

Members and employers talk to the same person anytime they need help. And we take the time to check on you.

Yellow leaf illustrationYellow leaf illustrationYellow leaf illustrationSpeech bubble illustrationillustration of father and daughter in autumn

Plus, our supplemental health insurance plan is easy to use.

As soon as they’re diagnosed, members can file a claim in minutes via our online member portal or mobile app with info they have on hand.

Once approved, they’ll get paid in hours—not weeks—so they can focus on feeling better and getting back to work.

colleagues talking to each other in an office

Frequently asked questions

How does Brella work with our health insurance plan?

Brella complements and enhances your primary health benefits by giving employees an extra source of support when medical bills suddenly pile up due to a health issue. Brella does not coordinate with any other insurance. Our plan pays cash benefits based on your diagnosis, and benefit amounts can be customized to help offset health insurance cost-sharing.

How do employees sign up?

Employers have several enrollment options. Use Brella’s decision support and enrollment tool or bring us into your benefits enrollment platform. If you prefer, we can also take a paper enrollment form.

Can you integrate with my benefits administration platform?

Brella integrates with most major benefits administration platforms. Get in touch and someone from our team can share more details.

Do you cover pre-existing conditions?

We do! With Brella there are no limitations or exclusions due to pre-existing conditions. Plus, Brella is offered on a guaranteed issue basis—no medical underwriting is required.

What are the premiums like?

Brella offers affordable premiums that vary based on age, benefit amounts, and who’s covered. Premiums for individuals under 50 start as low as the monthly price of your favorite TV streaming subscription. Employers can cover some or all of the premiums or offer Brella on a voluntary basis for employees who want to enhance their primary health coverage with extra financial support.

In which states is Brella available?

Brella is currently available for employer groups based in AL, FL, GA, IA, IL, KY, MI, MO, OK, TX, SC, and WI, and a growing number of states as we expand nationally in 2021. If you’re interested, we’d love to hear from you.