Medicare and major medical insurance cover a lot — but not everything. Ancillary plans fill in the gaps: routine dental cleanings, a pair of glasses, cash while you’re in the hospital, help if you’re diagnosed with a serious illness, or coverage between two other plans. They’re inexpensive relative to the protection they offer, and most people don’t think about them until they wish they’d had them.
These gaps don’t wait for a convenient time to show up. A cracked tooth, a fall, a diagnosis — none of it is planned. The best time to add ancillary coverage is before you need it, not after.
🦷 Dental, Vision & Hearing
Original Medicare doesn’t cover routine dental cleanings, eye exams and glasses, or hearing aids — some of the most common health expenses people face as they age. A standalone Dental, Vision & Hearing plan (or a Medicare Advantage plan with these benefits built in) helps you stay ahead of these costs instead of paying full price out of pocket.
- ✓ Routine cleanings, exams, and major dental work
- ✓ Eye exams, frames, and lenses
- ✓ Hearing exams and hearing aids
🏨 Hospital Indemnity
Even with good coverage, a hospital stay comes with costs that add up fast — deductibles, copays, transportation, meals for family, lost time from work. A Hospital Indemnity plan pays you a set cash benefit for each day you’re admitted, which you can use for absolutely anything. No claims paperwork maze, no restrictions on how you spend it.
❤️🩹 Critical Illness
A cancer, heart attack, or stroke diagnosis changes everything — including your finances. Critical Illness insurance pays a lump-sum cash benefit directly to you upon diagnosis of a covered condition, giving you the freedom to cover treatment costs, lost income, travel for care, or simply keep the household running while you focus on recovery.
🩹 Accident Insurance
A fall, a car accident, a broken bone — accidents happen when you least expect them, and the ER bill often arrives before you’ve even caught your breath. Accident insurance pays a cash benefit based on your injury and treatment, helping cover copays, deductibles, and the everyday bills that don’t stop just because you got hurt.
⏳ Short Term Insurance
Between jobs, waiting for other coverage to start, or aging off a parent’s plan? Short term medical insurance is designed to bridge the gap, offering temporary coverage so you’re never left completely exposed while you sort out your next long-term plan. See our full Health Insurance options →
Close the Gaps Before Life Finds Them For You
Let’s figure out which ancillary plans make sense for your situation — at no cost to you.