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Ancillary Products
Looking For Coverage to Complement Your Existing Plans?
Ancillary insurance products are additional coverage options that complement primary insurance policies, providing extra financial protection and benefits. These products can include dental, vision, disability, critical illness, and short-term care insurance. They are designed to address specific health and financial risks that may not be fully covered by standard health insurance plans. By offering tailored coverage, ancillary products help individuals manage unexpected medical expenses and support overall well-being, making them an essential component of a comprehensive insurance strategy.
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Dental/Vision/Hearing
(DVH)
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These plans often include routine check-ups, preventive services, and major treatments for dental, vision, and hearing health.
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Offered by multiple carriers, although not all plans always include all three DVH.
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Most plans have a network of providers, which can lead to lower costs when using in-network dentists, optometrists, and audiologists.
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Many plans offer some level of coverage from day one.
Heart Attack / Cancer / Stroke
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Similar to DVH plans these can come paired together in many policies, but do not always have to be.
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Also known as critical illness coverage, these policies provide financial protection in the event of a diagnosed critical illness, helping cover medical expenses and related costs.
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Upon diagnosis of a covered condition, policyholders typically receive a lump-sum payment that can be used for treatments, recovery, or daily living expenses.
Hospital Indemnity Plans (HIP)
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These plans provide a predetermined cash benefit for each day spent in the hospital, helping cover out-of-pocket expenses.
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Hospital indemnity plans are designed to complement existing health insurance, offering additional financial support during hospital stays. Premiums are typically lower than traditional health insurance, making it a cost-effective option for additional coverage.
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These plans are an excellent pairing with Medicare Advantage plans (Part C) in order to assist with out of pocket costs Medicare Advantage may come with.
Short Term Care Plans
(STC)
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Short term care plans provide a predetermined cash benefit, much like Hospital Indemnity plans, helping cover out of pocket expenses. Unlike HIP plans, they normally will provide coverage for anywhere between a few weeks to a year.
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These plans often assist with recovery after a hospital stay, covering services like home health care, rehabilitation, or skilled nursing care. Often times they have hospital indemnity riders to give more comprehensive coverage.
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Short-term care plans often have a straightforward application process, allowing individuals to access care without long wait times.
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