Ancillary Benefits
More Than Just Health Coverage
Explore additional benefits that help protect your well-being – and your wallet.
Keep your smile healthy and your costs low with dental plans that cover cleanings, X-rays, and more – including options for major dental work.
From eye exams to new glasses or contacts, vision plans help you maintain eye health and manage expenses for routine and corrective care.
Hearing loss can impact quality of life. We’ll help you find coverage that includes hearing exams, devices, and hearing aid maintenance.
These policies provide a lump-sum benefit if you’re diagnosed with a serious illness – helping cover lost income, travel for treatment, or daily living costs.
Hospital stays can bring unexpected bills. Indemnity plans offer fixed payments to help offset copays, deductibles, or time off work – so you can focus on recovery.
The Extras That Make a Big Difference
If you’re unsure where to start, we’re here to help. Bruce and Marcia take the time to learn about your needs and walk you through the options clearly – so you can add the right protection without overpaying.
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Got Questions About Add-On Coverage?
Here’s what clients ask us most often – and how we help you make sense of the details.
What are ancillary benefits, and why would I need them?
Ancillary benefits are additional types of insurance that complement your main health or Medicare coverage. They help pay for services not fully covered by standard insurance, such as dental care, eye exams, or hearing aids. Some also provide financial support in case of critical illness or hospital stays. These plans add an extra layer of protection and help reduce out-of-pocket costs for care you’re likely to need.
Can I buy these benefits if I already have health or Medicare coverage?
Yes, absolutely. These plans are designed to work alongside your existing coverage – not replace it. Whether you have Medicare, an employer plan, or individual insurance, ancillary benefits can fill in the gaps. We’ll help you find options that coordinate well with what you already have.
Are these plans expensive?
Many ancillary plans are quite affordable, especially when you consider what they help you avoid in unexpected costs. You can often choose from different coverage levels and premiums based on your budget and needs. We’ll walk you through your options so you understand both the cost and the value before you decide.
How do I choose which ancillary benefits make sense for me?
It depends on your health needs, risk tolerance, and budget. For example, if you wear glasses or have dental work coming up, vision and dental plans can make a big difference. If you’re worried about covering costs during a hospital stay or after a diagnosis, indemnity or critical illness coverage might be worth considering. We’ll talk through your lifestyle and goals to help you decide what’s practical and beneficial.
