DentalVisionHospital IndemnityCritical Illness

Ancillary Health Products

Fill the gaps your main plan leaves behind. Affordable add-on coverage that protects you from unexpected out-of-pocket costs.

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Supplemental Coverage

Complete Your Coverage

No single plan covers everything. Ancillary products fill the gaps β€” from dental and vision to critical illness cash benefits and hospital indemnity payments.

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Dental Insurance

Preventive, basic, and major dental care. Cleanings, fillings, crowns, and more β€” protecting your smile and your wallet.

Dental insurance covers routine checkups, cleanings, and X-rays under preventive care. Basic services include fillings and extractions, while major dental covers crowns, bridges, and dentures. Many Medicare Advantage plans include dental benefits, but a standalone dental plan ensures you have comprehensive coverage no matter what type of Medicare plan you have.

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Vision Insurance

Routine eye exams, contact lenses, glasses, and even corrective procedure coverage options.

Vision insurance covers annual eye exams which can detect early signs of diabetes, glaucoma, and macular degeneration. Plans typically include allowances for frames, lenses, and contact lenses. This is especially important for seniors as vision changes are common with age and early detection of eye conditions is critical.

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Hospital Indemnity

Cash payments directly to you during hospitalization. Covers extra expenses Medicare doesn't β€” food, transportation, household bills.

Hospital indemnity insurance pays a fixed cash benefit for each day you are hospitalized, regardless of your other insurance coverage. This money goes directly to you and can be used for anything β€” from medical copays to mortgage payments, groceries, or transportation costs. It bridges the financial gap during extended hospital stays.

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Critical Illness

A lump-sum cash benefit if you're diagnosed with a covered illness β€” heart attack, stroke, cancer. Use it for anything.

Critical illness insurance provides a one-time lump-sum payment upon diagnosis of a covered condition such as heart attack, stroke, cancer, or organ failure. This benefit pays regardless of your other insurance and can be used for medical bills, living expenses, travel for treatment, or anything else you need during recovery.

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Prescription Drug (Part D)

Standalone drug coverage for those on Original Medicare or Medigap. Brand-name and generic drugs nationwide.

Medicare Part D covers prescription drug costs and is essential if you have Original Medicare or a Medicare Supplement plan. Plans cover both brand-name and generic medications at participating pharmacies. Each year, formularies can change, so an annual review ensures your medications remain covered at the lowest cost.

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AD&D Insurance

Accidental Death & Dismemberment coverage provides financial protection for you and your family after a serious accident.

AD&D insurance pays a benefit if you die or suffer a serious injury (loss of limb, sight, hearing, or speech) due to an accident. This coverage is typically affordable and provides an extra layer of financial security for your family. Benefits are paid in addition to any life insurance you may have.

Which Product Is Right for You?

Need regular dental work?

A standalone dental plan covers cleanings, fillings, and major procedures. Essential if your Medicare plan doesn't include dental.

Worried about hospital stays?

Hospital indemnity pays cash directly to you for every day in the hospital, covering expenses Medicare doesn't touch.

Want financial safety net?

Critical illness insurance provides a lump sum if diagnosed with cancer, heart attack, or stroke β€” use the money for anything.

Build Your Complete Coverage Package

Let's find the right combination of ancillary products to protect you completely.

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