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Supplemental health insurance benefit taxable?

I have Conseco Supplemental Health Insurance, like cancer insurance, heart/stroke insurance and accidental injury insurance. Are the benefits (money) paid directly to me from this treated as income? My medical expenses for this year will be way above 7.5% of gross income after benefits are paid by my major medical insurance (Blue Shield). So I would need to do a deduction of my income. However, I heard supplemental insurance benefits are like Life Insurance payment which are not treated as taxable income, so there is no need to declare the benefit as income. Of course, at the same time, I could not declare the premium paid by me to purchase the supplemental health insurance as an expense either. Please help.

Public Comments

1. i think that it's just like any other health insurance...the premiums are deductible medical expenses and the benefits will reduce your out of pocket med expenses...the difference should be deductible to the extent that it exceeds 7.5% of your adjusted gross income.
2. If you are reimbursed more than your expenses it would be income. If you are reimbursed and you deducted the expense then you have to recapture that expense and report income the next year.