Ancillary

Coverage at a glance

Ancillary coverage refers to supplemental benefits that work alongside your primary health insurance. Dental, vision and hearing plans help with routine and restorative care that medical coverage often excludes, while accident, critical illness, hospital indemnity and cancer policies pay cash benefits directly to you when a covered event occurs, which you may use for deductibles, household bills or any other need.

For seniors, these benefits can complement Original Medicare or a Medicare Supplement plan, neither of which generally includes routine dental, vision or hearing care. For individuals and families, they add a layer of financial steadiness to a health plan. For employers, they offer valued voluntary benefits that employees can elect, often at little or no cost to the business. Availability and benefit design vary by state and by carrier.

A smiling man being fitted for new lenses at an eye care clinic

Who it is designed for

Ancillary coverage is designed for anyone who would like more complete protection than a primary health plan alone provides. Seniors often add dental, vision and hearing coverage, individuals and families frequently choose accident or hospital indemnity plans to soften unexpected expenses, and employers use these benefits to round out a competitive package without adding substantial cost.

How the plan works

Dental, vision and hearing plans typically pay toward covered services at participating providers, with preventive care often covered most generously and some major services subject to waiting periods. Accident, critical illness, hospital indemnity and cancer plans work differently: when a covered event occurs, the plan pays a set cash benefit directly to you, regardless of what your health insurance pays.

We begin by reviewing the coverage you already have and identifying where supplemental benefits would provide the most value for the premium. For employers, we design voluntary offerings that employees can elect through payroll deduction. In every case, we compare carriers and benefit levels so that the protection you add is both useful and affordable.

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