Fill the Gaps Your Health Plan Leaves Behind
Even the best health insurance has gaps — deductibles, copays, and services it simply doesn't cover. Supplemental plans are affordable, targeted protection that pays when your primary coverage falls short.
Your Health Plan Covers a Lot — But Not Everything
Most health insurance plans are designed to cover major medical events — but they leave significant out-of-pocket costs in their wake. Deductibles can run $1,500–$7,000 per year. Dental and vision are often excluded entirely. A serious illness or accident can still cost tens of thousands of dollars even with good coverage.
Supplemental insurance plans are affordable, targeted policies that pay cash benefits directly to you — helping cover the costs your primary plan doesn't. We'll identify the specific gaps in your current coverage and recommend only what you actually need.
The Coverage Gap Reality
Sources: Kaiser Family Foundation, American Journal of Public Health, JAMA
Supplemental Plans We Offer
From routine dental care to catastrophic illness protection, we offer a full range of supplemental plans to close the gaps in your coverage.
Dental Insurance
Covers preventive care (cleanings, X-rays), basic services (fillings, extractions), and major procedures (crowns, root canals). Most plans include 100% coverage for preventive care.
Preventive care is typically covered at 100% with no waiting period.
Vision Insurance
Covers annual eye exams, prescription glasses or contact lenses, and discounts on frames. A low-cost benefit with high perceived value — especially for families.
Most plans cost $10–$20/month and pay for themselves with one exam and pair of glasses.
Hearing Coverage
Hearing aids can cost $3,000–$7,000 per pair and are not covered by most health plans. Standalone hearing coverage helps offset these significant out-of-pocket costs.
Especially valuable for adults 50+ and those with occupational noise exposure.
Critical Illness Insurance
Pays a lump-sum cash benefit directly to you if you're diagnosed with a covered condition like cancer, heart attack, or stroke. Use the money however you need — bills, mortgage, treatment.
Benefits are paid directly to you — not to doctors or hospitals — giving you full control.
Accident Insurance
Pays cash benefits for injuries from accidents — ER visits, fractures, dislocations, burns, and more. Helps cover the out-of-pocket costs your health plan doesn't fully absorb.
Especially valuable for active individuals, families with children, and physical laborers.
Hospital Indemnity
Pays a fixed daily or per-admission cash benefit when you're hospitalized. Helps cover deductibles, lost income, childcare, and other costs that pile up during a hospital stay.
Works alongside your primary health plan to fill cost gaps during serious illness or injury.
Not sure which supplemental plans make sense for your situation? We'll review your current coverage and identify the gaps.
Review My Coverage GapsFinding the Right Supplemental Coverage
We start with what you already have and build from there — no unnecessary coverage, no wasted premiums.
Coverage Review
We review your existing health, dental, and any other coverage to identify exactly where the gaps are.
Needs Assessment
We discuss your health history, lifestyle, budget, and priorities to determine which gaps matter most to you.
Plan Comparison
We compare supplemental options from multiple carriers and present only the plans that address your specific gaps.
Simple Enrollment
Most supplemental plans have streamlined applications — many with no medical exam and same-day approval.
Supplemental Insurance FAQs
Do I need supplemental insurance if I already have health insurance?
Yes — even comprehensive health plans leave significant gaps. Deductibles, copays, coinsurance, and services not covered (dental, vision, hearing) can add up to thousands of dollars per year. Supplemental plans are designed to fill those specific gaps at a low monthly cost.
How does critical illness insurance work?
If you're diagnosed with a covered condition (cancer, heart attack, stroke, etc.), the insurer pays you a lump-sum cash benefit — typically $10,000–$50,000 or more. You use the money however you need: pay your deductible, cover lost income, pay your mortgage, or fund experimental treatment. There are no restrictions on how the benefit is spent.
Can I get dental and vision coverage without a health plan?
Yes — standalone dental and vision plans are available regardless of your health insurance status. Many of our clients add dental and vision to complement an existing health plan that doesn't include them, or purchase them independently.
Are supplemental insurance premiums affordable?
Most supplemental plans are very affordable — dental plans start around $20–$40/month, vision around $10–$20/month, and accident or critical illness plans from $15–$50/month depending on your age and coverage level. The cost is typically far less than the out-of-pocket expenses they protect against.
When can I enroll in supplemental insurance?
Unlike ACA health plans, most supplemental insurance plans can be purchased year-round — there's no open enrollment period. You can apply anytime, though some plans have waiting periods for certain benefits. We'll explain any waiting periods upfront.
Can supplemental plans be added to employer-sponsored coverage?
Absolutely. Supplemental plans are designed to work alongside any primary health insurance — employer-sponsored, individual, Medicare, or Marketplace plans. They fill the gaps your primary plan leaves behind, regardless of who provides it.
Close the Gaps in Your Coverage Today
A 10-minute conversation is all it takes to identify what your current plan is missing and find affordable options to fill those gaps. No pressure, no cost — just clarity.