Filling The Gaps; Supplemental Coverage

When you select a senior health plan, you’re taking a great step toward protecting your well-being. However, even the most robust plans often have "gaps"—out-of-pocket costs or specific services that aren't fully covered.

Supplemental policies are designed to work alongside your primary coverage, providing an extra layer of financial security. Here are the three most common additions:

1. Dental, Vision, and Hearing

Most standard senior health plans offer limited coverage for routine checkups. A standalone supplemental policy can help cover the costs of:

• Root canals, crowns, and dentures.

• Glasses, frames, and contact lenses.

• Hearing exams and hearing aids.

2. Hospital Indemnity

While your main plan covers hospital stays, you may still be responsible for daily co-pays. A Hospital Indemnity policy pays a set cash amount directly to you for every day you are in the hospital. This money can be used for anything—from medical bills to transportation and home help.

3. Cancer and Critical Illness

A serious diagnosis is stressful enough without worrying about the bills. These policies provide a lump-sum cash payment upon diagnosis of a covered illness. This helps offset the "indirect" costs of treatment, such as specialist travel or experimental treatments not covered by your primary senior health plan.

The Bottom Line: Supplemental plans aren't about replacing your current coverage; they’re about making sure a health surprise doesn't become a financial surprise.

Contact me today for your free, no obligation, consultation!