My first question on the forum. I sell mostly health insurance plans and am seeing a huge need for supplement plans due to the high deductibles and coinsurance. Does any agent know of an accident plan with a sickness rider like combined insurance? Preferably with a short elimination period of 7 days or less. I am not sure if this exists minus combined insurance. If not, who has a good hospital plan (supplement)? Can it be a stand alone without ACA also? Thanks for any help you may offer.