Dental, Vision & Ancillary Coverage

Most primary health insurance plans — and Original Medicare — provide limited or no coverage for routine dental, vision, and hearing. Standalone supplemental plans fill these critical gaps and protect your budget from everyday and unexpected healthcare costs.

Dental · Vision · Hospital Indemnity · Critical Illness · Independent Agency

Why Supplemental Coverage Matters

The gaps your primary coverage probably doesn't fill

Even the best health insurance leaves gaps. Most plans provide limited or no coverage for dental work, vision correction, or hearing aids — and Original Medicare covers almost none of these. The costs add up fast without supplemental coverage in place.

🦷

Dental Care Costs

A single crown can cost $1,000–$1,800 out-of-pocket. A root canal and crown together can reach $2,500–$4,000. Without dental insurance, many people skip care — leading to larger, more expensive problems.

$1,000–$4,000

👁️

Vision & Eyewear Costs

Annual eye exams ($100–$200), prescription glasses ($200–$600), and contact lenses ($200–$700/year) add up to hundreds or thousands annually without vision coverage helping offset those costs.

$300–$1,200+/yr

🏥

Hospital Out-of-Pocket Costs

Even with health insurance, a hospital stay can trigger thousands in deductibles and coinsurance. Hospital indemnity plans pay a cash benefit directly to you per day of hospitalization — regardless of other insurance.

$1,300+ avg. deductible

Dental Insurance

Protecting your smile and your budget

We offer standalone dental plans from multiple top-rated carriers. Dental plans typically cover three tiers of care at different benefit percentages — preventive, basic restorative, and major restorative services.

Traditional PPO / DPPO

PPO Dental Plans

The most flexible dental plan type. Use any licensed dentist (in-network saves more), with no referral required to see a specialist. Benefits are paid based on a fee schedule with annual maximums.

Preventive (cleanings, x-rays)80–100%

Basic (fillings, extractions)50–80%

Major (crowns, dentures)25–50%

Orthodontia (braces)Varies

Managed Care

DHMO Dental Plans

Lower-premium plans that require you to choose a primary care dentist from the plan's network. Referrals are needed for specialists, but copays are typically lower and there's usually no annual maximum benefit limit.

Preventive care$0–$10 copay

Basic servicesLow copay

Major servicesSet copay

Network requiredIn-network only

Discount / Savings

Dental Savings Plans

Not traditional insurance — these are discount membership programs. Pay an annual membership fee and receive pre-negotiated discounts at participating dentists. No waiting periods, no annual maximums, no claim forms.

Preventive savings20–60% off

Basic services10–40% off

Major services10–30% off

Waiting periodsNone

Important: Most traditional dental insurance plans have waiting periods for major services (typically 6–12 months) and annual benefit maximums (typically $1,000–$2,000/year). Pre-existing conditions and missing tooth clauses may also apply depending on the plan. We'll review all terms clearly before you enroll.

Dental plans available from: Humana, UnitedHealthcare, Aetna, Cigna, Delta Dental, VSP, and other carriers. Availability varies by state and county.

Vision Insurance

Clear vision shouldn't be out of reach

Vision insurance helps cover the cost of routine eye exams, prescription eyeglasses, contact lenses, and sometimes corrective surgery. Standalone vision plans are available for individuals, families, and Medicare enrollees.

What Vision Plans Typically Cover

Annual comprehensive eye exams (typically covered at $0 or low copay)
Prescription eyeglass frames — allowance toward frames of your choice
Prescription lenses — single vision, bifocal, and progressive lenses
Contact lens fitting and evaluation
Contact lens allowance (in lieu of glasses)
Discounts on additional pairs of glasses and lens enhancements
Discounts on LASIK and PRK corrective surgery through network providers
Retinal screening and disease detection services at exam

Tip for Medicare beneficiaries: Original Medicare does not cover routine eye exams for glasses or contact lenses, nor does it cover eyeglasses or contacts. A standalone vision plan fills this critical gap for those on Medicare Parts A & B.

Vision Carriers We Work With

VSP Vision CareLargest vision network

Humana VisionBundled options available

UnitedHealthcare VisionNationwide network

Aetna VisionIndividual & family plans

Bundled Plans: Many carriers offer bundled dental + vision plans at a discount. If you need both dental and vision coverage, ask us about bundled plan options that may save you money compared to purchasing separately.

Supplemental / Ancillary Plans

Extra protection when the unexpected happens

Supplemental insurance plans pay cash benefits directly to you — not to a hospital or doctor — when you experience covered events. These plans work alongside your primary insurance to protect your finances when illness or injury disrupts your life.

Hospital Coverage

Hospital Indemnity Insurance

Pays a fixed cash benefit for each day you're hospitalized — directly to you, not the hospital. Use the money however you need: bills, transportation, lost income, or anything else.

Daily, weekly, or per-admission benefit amounts
Benefits paid regardless of other insurance
Covers hospital stays, ICU, and outpatient surgery
Available from Aetna, UHC, Humana, and others

Serious Illness

Critical Illness Insurance

Pays a lump-sum cash benefit upon diagnosis of a covered condition — heart attack, stroke, cancer, organ failure, and others. Helps cover treatment costs, income replacement, and recovery expenses.

Lump-sum payment on diagnosis of covered condition
Typical benefit amounts: $10,000–$100,000+
No restrictions on how you use the money
Supplements your primary health insurance

Injury Coverage

Accident Insurance

Pays benefits for covered accidental injuries — ER visits, fractures, dislocations, burns, ambulance transport, and more. Helps offset the out-of-pocket costs your health plan doesn't fully cover.

Covers common accidents & injuries
ER visit, hospitalization, and follow-up benefits
Physical therapy and rehabilitation coverage
24/7/365 protection anywhere in the world

Medicare & Dental/Vision

What Medicare covers — and what it doesn't

Original Medicare (Parts A & B) does not cover: routine dental exams, dental cleanings, fillings, tooth extractions, dentures, routine eye exams for glasses or contacts, eyeglasses or contact lenses, or hearing aids and exams for fitting hearing aids.

Some Medicare Advantage (Part C) plans include dental and/or vision benefits as part of the plan, but these benefits vary significantly by plan, carrier, and county — and the network and coverage levels may be more limited than a standalone dental or vision plan.

Standalone dental and vision plans available to Medicare beneficiaries typically offer broader coverage, larger provider networks, and more comprehensive benefits than dental/vision extras bundled into a Medicare Advantage plan. We'll help you compare your options side by side.

This information is general in nature. Medicare Advantage plan benefits vary by plan and location. Contact us or review your plan's Evidence of Coverage (EOC) for complete benefit information.