Quantum 125 · Section 125
Supplemental Health Benefits vs. Major Medical: What Is the Difference?
Supplemental health benefits pay fixed cash amounts for specific events and provide set services at $0; major medical pays a share of covered medical bills. Here is how the two fit together, and how a benefit overlay like Quantum 125 sits on top of your medical plan.
Major medical insurance pays a share of covered medical bills after deductibles and copays. Supplemental health benefits work differently: they provide specific services, such as a video visit with your own doctor at $0, or pay fixed cash amounts when something specific happens, such as a hospital stay, an accident or a covered diagnosis. They are designed to sit on top of a medical plan, not to replace it. That is what Quantum 125 is: a benefit overlay on the plan you already have.
What does each one do?
| Major medical | Supplemental benefits | |
|---|---|---|
| What it pays | A share of covered medical bills | Fixed cash amounts, or set services at $0, per the policy |
| Who it pays | Usually the provider | You, for the cash benefits |
| Deductibles | Usually | None on the benefits listed below |
| Replaces the other? | No | No |
What is in Quantum 125?
Plan 1500. Figures from Quantum Health Benefits' benefit summary, November 2026.
- Virtual primary and urgent care: your own doctor by video, who keeps your records, orders labs and manages chronic conditions, plus 24/7 urgent care, $0 copay, for you and your family.
- Prescriptions: $0 copay on 1,000+ covered medications, at a local pharmacy for urgent needs and by mail for monthly ones.
- Hospital: $1,000 a day for up to the first 30 days of a stay, paid in cash to you.
- Emergency room: $500 a visit, up to 3 a year. Ambulance: $500 a trip, up to 3 a year.
- Surgery and anesthesia: $1,000 inpatient surgery and $1,400 anesthesia benefits.
- Critical illness: $2,500 on a covered diagnosis. Accident: up to $1,000 a benefit year.
- For the family: a virtual vet, 4 visits a year, and behavioral health sessions by phone or video.
- Wellness and coaching: the QHB app with one short activity a month, plus personal coaching.
Why does the cash go to me and not the hospital?
Because these are indemnity benefits: the policy pays a set amount when the event happens, and you decide what to do with it. The hospital still bills your medical plan as it does today. The cash can cover your deductible, your time off, or anything else.
Why run it through a Section 125 plan?
Because the premium comes out of pay before tax, you keep more of your paycheck, not less: in QHB's illustration about $96.14 a month more at a $50,000 salary, after the premium and the plan's cost. See your paycheck, before and after, and your first sixty days.
Go deeper: how Longtable Benefits approaches Quantum 125 · Section 125.