Ancillary Products
Fill the gaps your primary plan leaves behind.
Most health plans — including Medicare — don't cover everything. Dental work, hearing aids, vision care, and unexpected illnesses or accidents can add up quickly. I help you build a complete picture of protection with ancillary products that complement your primary coverage.
Products I work with
I am Health & Life licensed and work with a wide range of ancillary products. Here is what I can help you add to your coverage.
Dental Insurance
Most Medicare and health plans offer limited or no dental coverage. I help you find a standalone dental plan or discount program that covers preventive care, basic procedures, and major work — so a root canal doesn't become a financial emergency.
Vision Coverage
Routine eye exams, glasses, and contacts are rarely covered by primary health insurance. I help you add vision coverage that keeps your eyes — and your wallet — protected.
Hearing Aid Benefits
Hearing aids can cost thousands of dollars out of pocket. I help you find plans that include hearing benefits or standalone hearing coverage so you are not left paying full price.
Hospital Indemnity
A hospital indemnity plan pays you a fixed cash benefit for each day you are hospitalized — regardless of what your primary insurance pays. It helps cover deductibles, copays, and everyday expenses while you recover.
Critical Illness Insurance
A critical illness diagnosis — cancer, heart attack, stroke — can bring unexpected costs that go far beyond medical bills. Critical illness insurance pays a lump-sum benefit directly to you so you can focus on recovery, not finances.
Accident Insurance
Accident insurance pays a benefit when you are injured in a covered accident — emergency room visits, fractures, dislocations, and more. It is a low-cost way to protect against the unexpected.
Why ancillary coverage matters
Most people focus on their primary health plan and assume everything else is covered. It often isn't. A single dental procedure, a pair of hearing aids, or a week in the hospital can cost thousands of dollars out of pocket — even with good primary insurance.
Ancillary products are typically low-cost and easy to add. I review your existing coverage, identify the gaps, and recommend only what makes sense for your situation. I never push products you don't need.
- I review your existing coverage before recommending anything
- I work with multiple carriers to find the best value
- No cost to you — I am paid by the carriers
- I stay your agent after enrollment — call me first for any changes, renewals, or plan switches
Not sure what you're missing?
Tell me what coverage you already have and I'll take a look at the gaps. A free conversation is all it takes.