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EXTRA COVERAGE

Dental/Vision/Hearing

Medicare and Medicare Supplement Plans do not cover dental/vision/hearing expenses. If you have a Medicare Advantage Plan, it may offer limited dental/vision coverage and you might be restricted to a provider network.


We offer dental/vision/hearing plans that have no network restrictions. You can see the provider of your choice with no network restrictions. You can choose plans that cover services such as:

Dental

  • Cleanings

  • Semi-Annual Exams

  • X-Rays

  • Fillings

  • Extractions

  • Bridges

  • Crowns

  • Dentures – Full or Partial

  • Root Canals

Vision

  • Basic eye exams or eye refraction

  • Eye glasses or Contacts

Hearing

  • Exams

  • Hearing Aids and necessary repairs or supplies

Recovery Care

Unexpected injury or illness can quickly drain your savings and retirement funds with uncovered insurance expenses.  Recovery Care can help cover these costly expenses while you recover in a Nursing or Assisted Living Facility or for expenses related to Home Health Care, Adult Daycare, or Hospice Care.

 

Critical Illness Plans

Luckily, surviving a critical illness is becoming increasingly common with advances in medical technology. However, the costs of fighting these illnesses or keeping up with everyday bills can be more than most are prepared to deal with. These plans pay you cash, in either a lump-sum or monthly benefit amount, depending on the type of plan you choose.

Critical illness insurance can help fill in gaps that your plan may not pay.

  • Deductible and coinsurance

  • Out-of-network costs

  • Travel to the best doctors and facilities

  • Other treatments that your plan may not cover

Use the cash to pay for everyday expenses while you’re focusing on getting well:

  • Lost income

  • Mortgage

  • Household bills, gas, food

 

Cancer Insurance

A cancer insurance policy is an affordable, supplemental policy. Policy members diagnosed with a covered cancer receive a lump-sum cash payment. It’s entirely up to you how to spend the money.

You could use this extra financial cushion to help with:

  • Medical payments / help with co-payments and deductibles

  • Mortgage/rent payments

  • Living Expenses

  • Travel and lodging expenses to specialized treatment facilities

  • Experimental treatments not covered by primary insurance

  • Loss of income

  • Child or elder care expenses

  • Other illness expenses brought on by cancer treatments/cancer

 

Hospital Indemnity Plans

Hospital co-pays are one of the biggest concerns for people who are enrolled in Medicare Advantage plans.  Those co-pays are one of the largest costs and most likely to occur.  Those co-pays can add up quickly if you have more than one hospital stay.

Hospital Indemnity Plans (HIP) will pay you a set dollar amount for each day you are in the hospital.  If your plan pays you more than the hospital copay, you keep the difference.

These plans also offers riders for:

  • Ambulance service to and from a medical facility

  • Lump sum payment for diagnosis of cancer

  • Basic eye exams or eye refraction, eye glasses or contact lenses

  • Hearing exams

  • Hearing aids