We also offer various types of supplemental insurance plans, which are needed when life’s unexpected health issues come up. Having this type of insurance can save you thousands of dollars in medical bills. Our experienced staff of insurance agents will help you choose the plan that will work for your current situation, as well as help you plan for unexpected problems that may occur in the future. See the information below to read more about the types of supplemental insurance we have available. Supplemental coverage options also referred to as ancillary benefits, are often overlooked, but are an affordable health insurance option for many individuals and families. We offer a wide range of products that can supply extra protection on top of your traditional medical plan.
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Dental, Vision, and Hearing (DVH) insurance is a type of supplemental coverage that bundles benefits for your teeth, eyes, and ears into a single plan, helping you pay for routine care and more extensive treatments that traditional health insurance often doesn't cover. These plans cover expenses such as dental cleanings and fillings, eye exams and eyeglasses, and hearing tests and aids, reducing out-of-pocket costs for services that are vital for your overall health and well-being.
Short-term health insurance provides temporary medical coverage for a limited duration, offering a way to bridge gaps in long-term coverage, such as between jobs or while waiting for an employer's plan to start. These plans typically have lower premiums and more flexible enrollment but come with significant limitations compared to ACA-compliant plans, including higher deductibles, potential coverage caps, and exclusions for pre-existing conditions and certain essential health benefits like maternity care.
Hospital indemnity insurance is a type of supplemental health insurance that provides a fixed cash benefit to you or your dependents when you are hospitalized for a covered illness or injury, regardless of your out-of-pocket costs or what your primary health plan covers. This lump-sum payment is meant to help offset expenses beyond direct medical bills, such as childcare, transportation, lost wages, and other daily living costs that arise during a hospital stay.
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International travel insurance is a specialized policy protecting against financial losses from unexpected events during international trips, such as medical emergencies, trip cancellations, and lost luggage. It provides medical coverage, emergency evacuation, trip protection (cancellation/interruption), and emergency assistance services, helping travelers cover high costs and navigate unexpected situations abroad.
