Supplemental Insurance
Supplemental insurance for the gaps in your coverage.
Even good health insurance leaves out-of-pocket costs. Supplemental plans like dental, vision, hospital indemnity and critical illness coverage help protect your budget when you need care.
Your options
Supplemental coverage we offer
Add one or more of these on their own or alongside your Medicare, Marketplace or employer health plan.
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Dental
Coverage for cleanings, checkups, fillings and more, for individuals and families.
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Vision
Help paying for eye exams, glasses and contact lenses.
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Hospital indemnity
Pays you a set cash benefit when you are admitted to the hospital, to help with deductibles and other costs.
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Critical illness
Pays a lump sum if you are diagnosed with a covered illness, such as a heart attack or stroke.
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Cancer
Pays benefits to help with the costs that come with a cancer diagnosis and treatment.
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Accident
Helps cover costs after an accidental injury, such as emergency room visits and follow-up care.
Good to know
Supplemental plans work alongside your health insurance
Supplemental insurance does not replace your main health coverage. It fills in around it. Many plans pay cash benefits directly to you, which you can use for deductibles, copays, travel or everyday bills while you recover.
Looking for a Medicare Supplement (Medigap) plan? Those are covered on our Medicare page.
How it works
Simple, no-pressure help
1
Review your current coverage
Blake looks at what your health plan covers and where the gaps are.
2
Pick what fits
Choose only the coverage that makes sense for your family and budget.
3
Enroll and relax
Get help with enrollment and know what your plan pays for.
Common questions
Asked often, answered plainly
What is supplemental insurance?
Supplemental insurance adds benefits your main health plan may not cover, such as dental and vision care or cash benefits for a hospital stay, accident or serious illness.
Does supplemental insurance replace my health insurance?
No. It works alongside your health plan and is not a substitute for major medical coverage.
Are there waiting periods?
Some plans, especially dental plans, have waiting periods before certain services are covered. Blake will explain any waiting periods before you enroll.
Can I add supplemental coverage to my Medicare or Marketplace plan?
In many cases, yes. Blake can help you find options that work with the coverage you already have.
How do cash benefit plans work?
Hospital indemnity, critical illness, accident and cancer plans typically pay a set amount directly to you when a covered event happens. You can use the money however you need, from deductibles and copays to travel, groceries or rent while you recover.
Do dental plans cover major work like crowns?
Many dental plans cover preventive care like cleanings at a high percentage, and basic and major services like fillings and crowns at a lower percentage. Plans often have waiting periods and an annual maximum, so Blake will explain exactly what a plan covers before you enroll.
Does Medicare cover dental and vision?
Original Medicare generally does not cover routine dental care, eye exams for glasses, or glasses and contacts. Some Medicare Advantage plans include these benefits, and stand-alone dental and vision plans can fill the gap.
Can I buy supplemental coverage without an employer?
Yes. Individual dental, vision and supplemental plans are available whether or not you have coverage through work.
Close the gaps in your coverage
Find out which supplemental plans make sense for you. There is no cost to talk it through.
