Serving the Midwest
Supplemental Insurance Benefits
Fill the gaps in your primary coverage with dental, vision, accident, hospital indemnity, and critical illness plans that pay cash when you need it most.
Who this is for
- On a high-deductible health plan
- Medicare beneficiaries without dental or vision
- Families with active kids or athletes
- Anyone with a family history of cancer, heart disease, or stroke
What's covered
Dental & Vision
Preventive, basic, and major dental services plus routine vision exams, frames, and contacts.
Accident insurance
Cash benefits for ER visits, fractures, sprains, and follow-up care after a covered accident.
Hospital indemnity
Daily cash benefit for hospital admissions - great pairing with high-deductible plans.
Critical illness & cancer
Lump-sum payout on diagnosis of covered conditions so you can focus on treatment, not bills.
How I help
- 1Review your current coverage and identify the gaps that matter most for your situation.
- 2Compare supplemental options across carriers - benefits, waiting periods, and price.
- 3Bundle plans with your primary coverage so everything renews together.
- 4Stay your agent for claims questions and annual reviews.
Frequently asked questions
What's the difference between supplemental and primary health insurance?
Primary health insurance (ACA, employer, Medicare) covers major medical care. Supplemental plans pay cash benefits or fill specific gaps - dental, vision, accidents, hospital stays, or a critical illness diagnosis - so out-of-pocket surprises don't derail your budget.
Do I need supplemental coverage if I already have a good health plan?
Often yes. Most health plans don't include adult dental or vision, and high-deductible plans leave you exposed to the first several thousand dollars of any accident or hospital stay. Supplemental plans are inexpensive and close those gaps.
Can I get supplemental coverage alongside Medicare?
Yes. Dental, vision, hearing, cancer, and hospital indemnity plans are common Medicare add-ons - especially with Medigap, which doesn't include those benefits.
How do supplemental plans pay out?
Most pay a fixed cash benefit directly to you when a covered event happens. You can use the money however you need - deductibles, groceries, lost income - it's not restricted to medical bills.