Supplemental Health Insurance
A licensed advisor reviews your current coverage, finds the gaps your primary plan leaves behind, and tells you exactly which dental, vision, hospital, or critical illness add-ons fit your situation.
Find My Coverage GapsTypes of Supplemental Coverage
Each type of supplemental insurance addresses a different gap in your primary coverage. Here is what they offer and who benefits most.
Dental Insurance
Covers routine cleanings, exams, X-rays, fillings, and major procedures like crowns and root canals. Preventive care is typically covered at 100%.
Who needs it
Anyone whose primary health plan does not include dental, or who wants broader coverage for orthodontics or major dental work.
Vision Insurance
Covers annual eye exams, prescription glasses, contact lenses, and discounts on corrective procedures like LASIK.
Who needs it
Individuals who wear glasses or contacts, or anyone who wants routine eye exams to be affordable.
Medigap (Medicare Supplement)
Pays the copays, deductibles, and coinsurance that Original Medicare leaves behind. Use any doctor or hospital nationwide that accepts Medicare — no networks, no referrals.
Who needs it
People on Original Medicare (Part A + Part B) who want predictable out-of-pocket costs and the freedom to see any Medicare provider.
Hospital Indemnity
Pays a fixed cash benefit for each day you are hospitalized, regardless of what your primary insurance covers. Use the funds for any purpose.
Who needs it
People with high-deductible health plans who want a financial safety net to cover out-of-pocket costs during a hospital stay.
Critical Illness
Provides a lump-sum cash payment upon diagnosis of covered conditions such as cancer, heart attack, stroke, or organ transplant.
Who needs it
Those who want financial protection against the non-medical costs of a serious illness, such as lost income, travel for treatment, or household expenses.
Long-Term Care
Covers extended care services such as assisted living, nursing home care, adult day care, and in-home assistance with daily activities.
Who needs it
Adults planning for retirement who want to protect their savings from the high cost of long-term care, which is not covered by Medicare or most health plans.
Who Benefits from Supplemental Coverage?
Supplemental insurance is valuable at every stage of life. Here is how different groups use it to strengthen their financial protection.
Retirees
Medicare does not cover dental, vision, or long-term care. Supplemental coverage helps retirees manage out-of-pocket costs and protect their retirement savings from unexpected medical expenses.
- Dental and vision coverage not included in Original Medicare
- Hospital indemnity to offset Medicare deductibles
- Long-term care to protect retirement assets
Families
Families often face higher healthcare utilization. Supplemental plans add layers of protection and help cover the costs that a primary plan leaves behind.
- Pediatric dental and vision beyond basic ACA coverage
- Hospital indemnity to soften high-deductible bills
- Critical illness coverage for financial peace of mind
Self-Employed
Without employer-sponsored benefits, self-employed individuals often carry high-deductible plans. Supplemental insurance fills the gaps and provides cash benefits when illness or injury strikes.
- Hospital indemnity to cover lost income during recovery
- Standalone dental and vision at competitive group rates
- Critical illness to protect against business disruption
Wondering Where Your Coverage Falls Short?
A licensed advisor reviews your current plan, identifies the gaps, and tells you exactly which supplemental options fit your life — clearing your path. Always free, always friendly.