Round out your protection and fill the gaps.

Original Medicare and a single policy rarely cover everything. These options help protect your savings, your everyday care, and your peace of mind when life takes an unexpected turn.

Long-Term Care

Plan ahead for the care you may one day need.

Long-term care is one of the largest unplanned expenses in retirement — and Original Medicare covers very little of it. Planning ahead can protect both your savings and the people who would otherwise carry that burden.

We can show you options ranging from traditional long-term care policies to hybrid solutions — life insurance and annuity contracts with long-term care benefits — so the money is still yours or your family's if the care benefit is never used.

How it can help

Coverage can help pay for in-home care, assisted living, or nursing care, depending on the policy. Benefits, triggers, and availability vary by carrier and state, and policy approval is subject to underwriting.

Dental · Vision · Hearing

The everyday care Medicare often leaves out.

Routine dental, vision, and hearing care are some of the most common gaps in Original Medicare. Standalone ancillary plans help keep those costs predictable.

Dental

Coverage for cleanings, fillings, and major work — depending on the plan — so a dental bill doesn't come as a surprise.

Vision

Help with routine eye exams, frames, lenses, and contacts, keeping your eyes cared for year after year.

Hearing

Support for hearing exams and hearing aids, which can otherwise be a significant out-of-pocket expense.

Cash when it matters most

Critical illness and cancer plans typically pay a benefit directly to you upon a covered diagnosis — money you can use however you need, whether for treatment, travel, or everyday bills while you focus on recovery.

Cancer & Critical Illness

Protection for the diagnoses that change everything.

A major diagnosis brings costs that health insurance alone may not cover — deductibles, time away from work, travel for treatment, and more. Supplemental cancer and critical illness coverage is designed to ease that financial pressure at the worst possible time.

Benefit amounts, covered conditions, and availability vary by carrier and state, and coverage is subject to underwriting.

The coverages described on this page are supplemental and ancillary insurance products. Benefits, eligibility, and availability vary by carrier, plan, and state, and are subject to the terms of each policy. Information is educational only and is not a recommendation for any specific product. These products are not connected with or endorsed by the U.S. government or the federal Medicare program.