Ancillaries

• Types of Ancillary Insurance & Examples 

• Dental Insurance: Covers cleanings, fillings, crowns, orthodontics, etc., often with network options (DHMO/DPPO). 

• Vision Insurance: Pays for eye exams, glasses, contact lenses, and frames. 

• Hearing Insurance: Covers hearing tests, exams, and hearing aids, which Original Medicare often excludes. 

• Cancer Insurance: Provides lump sums or benefits for cancer diagnosis and treatment costs (chemo, radiation, transport). 

• Hospital Indemnity: Pays a set cash amount per day or per admission for hospital/skilled nursing stays, usable for anything. 

• Critical Illness Insurance (CI): Pays a one-time cash benefit for diagnosis of major conditions.

  • Cancer, Heart Attack, and Stroke Insurance

• Accident Insurance: Covers costs from accidental injuries, like ER visits, ambulance rides, physical therapy. 

• Disability Insurance (Income): Replaces a portion of your income if you can't work due to illness or injury. 

• Short-Term Recovery/Home Health: Covers expenses for in-home care, nursing homes, or assisted living after a hospital stay