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Help You Insurance

Other Insurance

Plans that Fill Gaps

Financial Protection Beyond Traditional Health Insurance

Ancillary insurance plans—such as dental, vision, hearing, as well as, hospital indemnity, accident, critical illness (cancer/heart/stroke), final expense, and short-term medical—are often overlooked, yet they play a vital role in a well-rounded insurance portfolio. While primary health insurance (like Medicare, ACA plans, or employer coverage) offers essential protection against catastrophic medical costs, it doesn't always cover everything—especially when it comes to out-of-pocket expenses, lifestyle disruptions, and immediate financial needs.

These supplemental policies are not designed to replace core health insurance. Instead, they are meant to bridge the gaps, providing financial flexibility, peace of mind, and targeted protection where traditional plans may fall short.

Besides financial protection, why do these plans deserve your attentions?

  • EVEN MORE FINANCIAL PROTECTION

  • Even with good health coverage, individuals often face:
    • High deductibles

    • Coinsurance or copays

    • Non-covered services (like transportation, lodging, or home assistance)
    • Ancillary plans provide cash benefits to help offset these costs, keeping you financially stable during a medical crisis.

  • DIRECT CASH PAYMENTS TO YOU

  • Most ancillary plans pay lump-sum or daily benefits directly to you, not the hospital or doctor. This flexibility allows you to:

    •  Cover medical bills
    •  Pay rent, mortgage, or groceries
    •  Offset income loss if you can’t work

  • HELPS MAINTAIN LIFESTYLE DURING EVENTS 

  • When someone is hospitalized or recovering, normal life still goes on. Ancillary benefits can ensure you don’t fall behind financially during recovery.

  • AFFORDABLE AND CUSTOMIZABLE

  • These plans are often low-cost, especially when added to a core policy. Many can be tailored to fit:

    •. Your health risks
    •  Your budget
    •  Your stage of life (e.g., working-age adults vs. retirees)

  • YOU NEED FUNDING RIGHT NOW

  • Medicare enrollees face gaps that
    • Medicare Advantage doesn’t always cover (like your hospital copays, your 20% chemo charge and long-term recovery)

    • ACA plan holders with high deductibles can struggle to afford care when an accident happens

    • Self-employed individuals and those between jobs often lack solid backup cover

  • NOT "Nice-to-Have's"

  • Ancillary insurance plans are not "nice-to-have's"—they are strategic financial tools that can prevent a short-term health event from becoming a long-term financial setback. For anyone seeking comprehensive protection, especially in today’s unpredictable healthcare landscape, building a portfolio that includes these plans is a smart and proactive choice.

Ancillary insurance plans are not
"nice-to-have's"—they are strategic financial tools that can prevent a short-term health event from becoming a long-term financial setback.

Our 3 Step Process

Expert Consultation

Our expertise is free of charge as we guide you through the options that suit you the best based on your circumstances.

Discover & Strategy

With a few simple questions, we can help determine where you are financially exposed or if the plan you have is the right fit for your situation.

Facilitating the Process

We pride ourselves in simplifying the process from start to finish. After enrollment into your plan, we are available to you anytime you need us.