A major medical plan is necessary. But for many individuals — and many employers — it is not enough on its own. The high deductibles, unexpected illnesses, accidents, and hospital stays can cause significant financial stress — even for the insured. Ancillary and supplemental coverage are intended to cover those gaps so that the use of your health benefits doesn’t seem the financial equivalent of a risk.

Why Major Medical Alone Isn’t Always Enough

The average individual deductible for employer-sponsored coverage has increased dramatically in recent years. High-deductible health plans are still that much more exposed. When a health event happens — an accident, a diagnosis, an unexpected hospitalization — out-of-pocket costs can mount quickly before significant medical benefits can begin to take effect.

Supplemental insurance pays the benefits directly to the insured — generally as a cash benefit that can be used for any purpose, including medical bills, deductibles, everyday expenses, and lost income made while recovering. It complements major medical, not supplants it.

Types of Coverage We Help With

Accident Insurance

Pays a lump sum or a scheduled benefit after a covered accident — from emergency room visit, fractures, dislocations, and related care. Great for those staying active, including families with children and employees in physical positions where injury is more likely.

Critical Illness Insurance

Pays a lump-sum benefit in the event of a diagnosis of a covered condition — commonly heart attack, stroke, cancer, and other serious problems. Your benefit can include all forms of coverage: treatment costs not covered by major medical expenses or mortgage payments, as well as for the sake of household expenses or peace of mind during recovery.

Hospital Indemnity Insurance

Pays a daily, weekly, or per-admission benefit for covered hospital stays. For people with high deductibles or who are exposed to in-patient expense, this can substantially reduce the cost of hospitalization — especially for planned procedures, where the associated cost is known in advance.

Dental and Vision Coverage

Frequently excluded from major medical or offered with few benefits, dental and vision are among the most-used employer benefits — and among the most desirable by employees when they evaluate their benefits package. And these are often the most beneficial to both employees and employers. We help employers and people to identify dental and vision options that are worthwhile with the additional cost.

Short and Long Term Disability Insurance

Income replacement for a time when an illness or injury stops a person from working. This may be one of the most important and potentially underinsured risks for self-employed professionals and people who do not have employer-sponsored disability coverage. For some people a sustained inability to work could create long-lasting consequences that will outlast their injury.

Life Insurance

Group and individual life insurance for patients’ families. We help individual and employers assess appropriate coverage levels and structure — whether it’s cover for a fixed term or a total coverage, or whether it’s group care in an employer benefits package.

For Employers

Ancillary benefits have an outsized influence on how competitive your benefits package appears to the employees. People are evaluating the full picture rather than only the health plan. Dental, vision, and supplemental enhancements can very substantially enhance the benefits competitiveness without raising the cost of a big employer’s business, especially if they are packaged as voluntary (employee-paid) within the Section 125 framework.

For Individuals

Supplemental coverage tends to be cheaper than people realize — especially when bought before a health event happens. We help them figure out which options work for their actual risk profile — not some high-level checklist — so you’re providing coverage that makes sense, instead of the coverage you don’t need.

Build a More Complete Coverage Strategy

If you’re relying on major medical alone, there may be more financial exposure in your coverage than you realize. Let’s take a look at where the gaps are and what makes sense to address.