ANCILLARY INSURANCE PLANS
Medicare covers a lot, but not everything (dental, vision, hearing and unexpected costs from illnesses or accidents). Ancillary plans help fill those gaps.
Why Ancillary Coverage Matters
Original Medicare and even the best Medicare Advantage plans leave real gaps. Ancillary coverage is exactly the method used to close them — before they turn into unplanned bills that pile up.
Original Medicare doesn't cover routine dental, vision, or hearing care
No cleanings, no eye exams, no hearing aids — those come entirely out of pocket unless you have separate coverage or a Medicare Advantage plan with limited built-in allowances.
A cancer or heart diagnosis creates costs Medicare Advantage and Medigap don't fully absorb
Copays, deductibles, travel to treatment, time away from work or caregiving — critical illness plans pay a lump-sum cash benefit you can use however you want or need, on top of whatever your primary plan covers.
Hospital Indemnity and Accident plans cover the costs that hit fast and hard
A fall, an ER visit, or a hospital stay can trigger thousands in deductibles and copays within days — these plans pay cash benefits directly to you to help absorb that hit while it's happening, not months later.
The Plans We Offer
Everyday Health - Dental, Vision, Hearing
The care you use most often but Medicare covers the least. These plans help pay for routine exams, cleanings, glasses, hearing aids - the day-to-day expenses that add up over time.
Critical Illness Protection - Cancer, Heart
A serious diagnosis changes more than your health - it changes your finances. These plans pay a lump-sum cash benefit upon diagnosis, giving you flexibility to cover treatment costs, lost income, or anything else needed.
Unexpected Event Coverage - Accident, Hospital Indemnity
Falls, injuries, and hospital stays happen without warning. These plans pay cash benefits directly to you to help offset deductibles, copays, and other costs tied to an unexpected trip to the hospital.
The beautiful part about ancillary plans are that most can be provided for as little as a $1 a day.
How These Plans Work With Your Medicare Coverage
Ancillary plans aren't a replacement for Medicare - they're built alongside it. Here's how they fit together.
What if I have Original Medicare
You're covered for hospital and medical care, but dental, vision, hearing and cash-benefit protection (cancer, heart, accident, hospital indemnity) are entirely separate. Ancillary plans are often the missing third piece alongside Medigap.
I have a Medicare Advantage plan
Many MA plans include limited dental, vision, or hearing allowances - but limited is the key word. Coverage caps are often low, and networks can be narrow. An ancillary plan can supplement what your MA plan already offers, filling the difference between what's allowed and what you actually need.
I actually have a Medigap policy
Medigap handles cost-sharing on the medical side, but it doesn't touch dental, vision, hearing or lump-sum illness/accident benefits. Ancillary coverage is the natural companion to a Medigap plan, since Medigap alone leaves those categories completely open.
Critical and Accident plans are standalone
Whether you're on Medicare Advantage or Medigap, a Cancer, Heart, Accident, or Hospital Indemnity plan pays its cash benefit directly to you, regardless of what your primary plan already covers. That makes it one of the few additions that adds value no matter which path you've chosen.
Finding the Right Fit Across Carriers
Because how an ancillary plan complements your coverage depends on your specific situation, carrier choice matters too.
What your next step is
Either reach out via phone/email, schedule a meeting below by clicking the "Schedule a Meeting" button, or submit a contact form and hear back from me within 48 hours.
Telephone: 609-778-1141
E-mail: richardallamong@gmail.com