802.1x SmartCard and Password on the same NIC

First little background:

We have been using NPS server and 802.1x for some time now, requiring computer and user authentication.

Now, we are considering implementing Smart Cards and we are stuck at this:

- if we enable Smart Card authentication on NIC and create appropriate rule on NPS server everything works OK

- if we enable username/password authentication on NIC and create appropriate rule on NPS server everything works OK

But what if user loses it's Smart Card or forgets it at home? We considered an option where we in AD temporarily enable username/password authentication but the problem is that NIC settings are set to Smart Card authentication. Is there any way to enable both Smart Card and username/password authentication on NIC?

Thanks for all the answers in advance.

Regards, 

Regards,