Supplemental Coverage
Ancillary Insurance Products
Protect what your major medical plan doesn't cover. Fill the gaps left by traditional health coverage and manage out-of-pocket costs — without disrupting your financial plan.
Our Ancillary Products
Select a product to learn what it covers and why it matters.
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Critical Illness, Heart Attack & Stroke
A serious diagnosis shouldn't mean a financial setback on top of a medical one. Our Critical Illness, Heart Attack & Stroke coverage pays a lump-sum cash benefit directly to you upon diagnosis — money you can use however you need it.
Why It Matters
- Benefits are paid regardless of what your major medical plan covers
- No restrictions on how the payout is used
- Lump-sum cash paid directly to you upon diagnosis
- Covers deductibles, travel, household bills, or lost income
Dental, Vision & Hearing
Routine care for your teeth, eyes, and ears is rarely included in standard health insurance — but it's essential to your overall health. Our DVH plans bundle these three often-overlooked benefits into one affordable package.
What's Covered
- Preventive and major dental services, including cleanings and fillings
- Annual eye exams, frames, and lenses
- Hearing exams and hearing aid allowances
Why It Matters
- Reduces out-of-pocket costs for routine, recurring care
- Encourages preventive checkups that catch problems early
- Simplifies coverage into one plan instead of three
Recovery Care
Recovering from surgery, an injury, or a hospital stay often requires more support than medical insurance provides — home health visits, transportation, or meal assistance. Recovery Care provides a cash benefit to ease the transition from hospital to home.
Why It Matters
- Supports a smoother, safer recovery outside the hospital
- Helps cover costs major medical plans typically exclude
- Cash benefit you can use for any recovery-related need
- Gives you and your family peace of mind during recovery
Hospital Indemnity
A hospital stay comes with costs beyond what your primary insurance covers — copays, deductibles, and daily incidentals add up quickly. Hospital Indemnity pays a fixed cash benefit for each day you're hospitalized, regardless of actual care costs.
Why It Matters
- Direct cash payments for hospital admission and daily confinement
- Helps offset deductibles, copays, and non-medical expenses
- Coverage activates the moment you're admitted
- Works alongside your existing health coverage
Why Choose Ancillary Coverage?
Major medical insurance is designed for large, catastrophic expenses — but it wasn't built to handle every cost that comes with a health event. Ancillary coverage closes that gap.
Ready to close the gaps in your coverage?
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Ready to explore ancillary coverage?
Speak with one of our licensed advisors to find the right combination of ancillary coverage for you and your family.