Ancillary Fundamentals

Accident insurance can provide funds to help you pay for unexpected expenses after an accidental injury like a fracture or concussion. A medical plan may leave you with extra costs to cover that an accident insurance plan can help pay.

Whatever you need while recovering from an accident or injury, whether that’s another form of transport to get to work or help covering rent while you’re out of work, a payment from accident insurance can help.

Cancer insurance is a supplemental health insurance plan designed to help with cancer-related costs. It pays cash benefits directly to you, not to doctors or hospitals, for you to use as needed.

Primary health insurance may not cover the costs of things like deductibles or copays. A cancer plan provides added financial resources to help with expenses from annual preventative screenings and diagnosis to treatment and recovery with continued care.

Given that 1 in 2 men and 1 in 3 women will be diagnosed with cancer in their lifetime, this would be a plan to consider.

Critical Illness insurance provides coverage for a wide variety of conditions that may have a significant impact on your finances, even if you have health and disability insurance.

Critical Illness insurance pays a lump-sum benefit upon diagnosis of a covered condition. A check is sent to you, not the health care provider.

Dental, Vision and Hearing insurance coverage can help you and your family smile bigger and brighter, protect healthy vision to see clearer, and hear the world just that much better. This can be valuable coverage for routine expenses, as well as for the unexpected – which can be expensive.

Guaranteed acceptance When applying for Dental, Vision and Hearing insurance, there are no health questions. And, benefits are paid directly to you and in addition to any other health care coverage. You have the freedom to choose your providers or get even better pricing by going in-network.

Heart attack and stroke insurance is a supplemental critical illness policy that pays a direct lump-sum cash benefit upon diagnosis. You can use these tax-free funds for out-of-pocket medical costs, lost wages, or daily living expenses.

Policies typically range from $5,000 to $150,000 and are paid independently of your primary health insurance.

Hospital indemnity insurance is a supplemental policy that pays a fixed cash benefit directly to you if you are admitted to the hospital. Coverage can include allowance for daily hospital cost, ambulance, physical therapy, surgery and more.

You can use the money however you want—such as to cover deductibles, copays, everyday bills, childcare, or travel expenses—without network restrictions or claim limits.