Dental
Cleanings and checkups covered, help with fillings, crowns, and the bigger work — up to the plan's annual maximum.
Worth it for: Almost everyone. Most health plans don't touch adult teeth, and one crown costs more than a year of premiums.
Supplemental coverage
Good plans still have gaps. These fill them.
Teeth, eyes, accidents, hospital stays — the stuff health insurance politely ignores. Small plans, small premiums, and an agent who'll tell you which ones you can skip.
Why these exist
Health insurance covers the hospital. Not the dentist.
Even a great health plan leaves predictable holes: adult dental, routine vision, the deductible itself. Supplemental plans are small, inexpensive policies that cover exactly those holes — some pay providers, some pay cash straight to you.
They’re also where the industry loves to oversell. So here’s our rule: we’ll show you what each one costs against what it actually pays, and if one doesn’t make sense for your household, we’ll say skip it.
The lineup
Six gap-fillers, rated honestly.
Vision
Routine eye exams, plus an allowance toward glasses or contacts each year.
Worth it for: Anyone who wears glasses — the plan usually pays for itself at the first pair.
Accident
Pays you cash after a covered injury — broken bones, stitches, ER trips — on top of whatever your health plan pays.
Worth it for: Active families and high-deductible households, where one bad weekend on a trampoline meets a deductible head-on.
Hospital indemnity
A set cash benefit for each covered hospital stay, paid directly to you, to spend on the deductible, the parking, or the mortgage.
Worth it for: People with high-deductible plans, or on Medicare Advantage plans with per-day hospital copays.
Critical illness
A lump sum if you're diagnosed with a covered condition — heart attack, stroke, cancer — while you focus on getting well, not on bills.
Worth it for: Family history, single-income homes, or anyone whose savings couldn't absorb months off work.
Short-term medical
Temporary coverage that bridges a gap — between jobs, before an employer plan kicks in. Not ACA coverage: fewer protections, fewer benefits, lower cost.
Worth it for: A true bridge, and only a bridge. If you qualify for a Marketplace plan with savings, that's almost always the better call — and we'll check first.
Supplemental products are offered through carriers we’re appointed with, including UnitedHealthOne (UnitedHealthcare’s individual brand) and others. These plans are not major medical insurance and are not a substitute for Marketplace coverage. Benefits, availability, and terms vary by plan and state.
Add-ons should add up.
The right supplemental plan quietly pays for itself. The wrong one is a monthly donation to an insurance company. Bring us your health plan — ours or anyone else’s — and we’ll tell you which gaps are worth covering and which to self-insure with a savings account. That’s the whole pitch.