Other Insurance
Plans that Fill Gaps
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.
Dental, Vision, Hearing Plans
One of the most popular plans is Dental Insurancef or people with Original Medicare because it doesn't cover dental.
Final Expense
No one wants to burden their family financially when they pass. These plans are inexpensive and take the stress away.
Hospital Indemnity Plans
For a surprisingly inexpensive monthly premium, you can lower or even eliminate the risk of a large hospital bill or deductible.
Accident Plans
Even the most comprehensive health plan can still leave an exposure from large deductibles and Out-of-Pocket $$ due to injuries.
Cancer, Heart Attack, Stroke
1 out of every 2 men in the USA suffer a critical illness; 1 out of every 3 women. Plugging up this financial exposure is smart.
Short Term Medical Plans
Depending on your circumstances sometimes you can get caught outside enrollment periods or insurance coverage. We can help.
Besides financial protection, why do these plans deserve your attentions?
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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.
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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
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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.
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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)
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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
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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.
We do not offer every plan available in your area. Currently, we represent 14 organizations which offer 137 products in your area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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