Health insurance is just one piece of the puzzle. Supplemental and ancillary plans — like accident, critical illness, dental, vision, travel, and life insurance — help fill the gaps and protect you financially when the unexpected happens. Explore the options below, or reach out for help finding the right combination of coverage.
Fixed Indemnity
Pays a set cash amount for specific medical services, like doctor visits, hospital stays, or lab work. This amount is paid no matter the actual bill. Not ACA-compliant, these plans work best as supplemental coverage. Healthy, self-employed people often choose them to help manage routine healthcare costs.
Accident + AD&D (optional Illness Rider)
Provides lump sum benefits if you’re injured due to an accident or suffer accidental death or dismemberment. With the optional illness rider, benefits extend to covered illnesses or hospitalization.
Critical Illness
Pays a one-time cash benefit to you if you get a serious illness. This includes cancer, a heart attack, or a stroke. It can help pay medical bills or daily living costs.
Cancer, Heart Attack, and Stroke Plans
Provides cash benefits after a first diagnosis of cancer, heart attack, or stroke. It helps cover medical bills and daily living costs during recovery.
Life Insurance
Provides financial protection for your loved ones by paying a cash benefit to chosen beneficiaries after your death. Term Life offers a set period at lower cost, while Whole Life (or Universal Life) lasts your lifetime and builds cash value.
Dental and Vision
● Dental: Helps cover the cost of routine care such as cleanings, exams, and X-rays, as well as treatments like fillings, crowns, or root canals. Plans often include preventive care at little or no cost.
● Vision: Helps cover routine eye care, including exams, glasses, and contact lenses, at reduced out-of-pocket cost.
Travel Coverage
Protects you while traveling in the US or abroad. It covers unexpected medical emergencies, trip interruptions, and other travel-related risks. With more health plans switching back to HMOs, they may not cover care outside your home state. Travel coverage helps protect you from unexpected incidents.
Not sure where to start? Get in touch and we’ll find the plan that fits your needs!