What I can help with
- Hospital indemnity Pays a cash benefit directly to you for each day you're admitted to the hospital. Helps cover Medicare deductibles, copays, and everything else a hospital stay brings.
- Heart attack & stroke A lump-sum cash payment if you're diagnosed with a covered cardiac event. Use it however you need — medical bills, rehabilitation, travel for care, day-to-day living expenses.
- Short-term care Pays a daily benefit for care received at home, in assisted living, or in a skilled nursing facility — covering the gap before long-term care insurance kicks in (or instead of it, if full long-term care coverage isn't the right fit).
- Dental & vision Standalone plans for people on Original Medicare, which doesn't cover routine dental or vision. Also useful as a supplement if your Medicare Advantage plan has limited dental or vision allowances.
- Critical illness A lump-sum cash payment if you're diagnosed with a covered condition (cancer, heart attack, stroke, etc.). Peace of mind layered on top of your Medicare plan.
Common questions
Do I really need these if I already have health insurance?
PLACEHOLDER — Depends on your situation. If your main plan has a high deductible, these policies pay cash you can use toward that deductible. If you're on Original Medicare, dental and vision aren't covered at all. We'll look at your specific gaps.
How do the cash benefits work?
PLACEHOLDER — Unlike your main medical insurance, these plans pay you directly (not the hospital). You can use the cash for whatever — deductibles, copays, lost income, a grocery run while you recover. The payment is triggered by specific events (hospital admission, accident claim, etc.).
Is this expensive?
PLACEHOLDER — Usually not. Ancillary plans are generally $10–40 a month depending on age, plan type, and benefits selected. Most people are surprised at how affordable the coverage is for what it pays.