Accident, Dental & Ancillary Insurance

Find a comprehensive suite of healthcare solutions tailored to eliminate deductibles and enhance your coverage beyond the basics.

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Filling In the Gaps

Ancillary health insurance addresses points of vulnerability by covering additional expenses like deductibles and co-pays, ensuring you have seamless access to quality care.
Accident Insurance

Accident Insurance

Pays For All Accident Related Medical Expense

This insurance provides comprehensive coverage for a range of accidents, from slips and falls to more severe injuries, ensuring you’re financially prepared for the unexpected.

This type of insurance reimburses all out of pocket costs for accident related expenses. It’s versatile since it can be used to reimburse an accident related deductible or an expensive Emergency Room visit following an accident.

A trip to the Emergency Room is costly even with good insurance. Accident insurance provides peace of mind, knowing you will be financially protected in an accident.

Immediate Payouts: In the event of an accident, receive prompt payouts to cover medical expenses, hospital stays, and additional costs that may arise, giving you the financial support you need when it matters most.

Choice of Providers: Maintain control over your healthcare decisions by choosing your preferred medical professionals and facilities, ensuring you receive the care that suits your needs.

Worldwide Protection: Accidents happen anywhere, and your coverage will be with you whether you’re at home or traveling abroad.

Accident Insurance

Deductible Plans

A Brilliant Way to Prevent Out of Pocket Medical Costs

Deductible Plans are designed to provide a cash benefit which matches your deductible and save you from facing large out of pocket costs.

Most Americans reported they would be unable to pay an unexpected $500 medical bill in the event of an emergency. If you would have a hard time paying your deductible out of pocket, then you may be interested in buying a low cost Deductible Plan.

Which 3 events trigger payout from a Deductible Plan?

1. Accident Medical Expense
2. Cancer, Heart Attack or Stroke
3. Sickness Hospitalization

The Accident Medical Expense in a Deductible Plan is the same as the free standing accident insurance discussed above, but here is it bundled with more coverage.

The Cancer, Heart attack, and Stroke aspect pays out immediately upon diagnosis of these diseases, and helps cover expensive hospital costs, chemotherapy, or physical therapy. You are not obligated to use this money on medical bills; you are free to do whatever you wish with it. It can be used for lost wages, travel, etc.

The Sickness Hospitalization covers just that. If you or a family member are admitted to the hospital for an illness, this pays out an immediate cash benefit to cover the deductible.



Comprehensive Private Plans

There are many private dental plans available in today’s market, but only a handful provide great coverage for a decent price. Among these, there are some general things you can expect.

1.  Large Networks
2. Family Discounts
3. No-Cost for Preventative Services & Cleanings
4. Increasing Benefits
5. Increasing Annual Coverage Max

What does Increasing Benefits Mean?

Private dental works by coinsurance, meaning you will pay a set percentage of the bill. Private policies will cover a smaller portion of major services the first year than they do the second year and beyond. This is to protect them from people signing up and immediately having lots of work done.

What does Increasing Annual Coverage Max mean?

Every dental plan has a maximum per year that the policy will pay. This amount will increase the second and third year.

As you can see, a private dental plan has to be “paid into” for a year or two before you can reap its full benefits, so enrolling sooner is usually better.

These rules are not always the case with group insurance. Group insurance tends to be more comprehensive and can easily be purchased by employers with only a handful of employees. Contact us for more information.