Dental insurance
Review networks, preventive/basic/major services, deductibles, waiting periods, annual maximums, frequency limits, and orthodontia.
Supplemental and ancillary benefits
Major medical coverage does not eliminate every financial gap.
Learn what limited-benefit products may pay, what triggers a benefit, and which exclusions, waiting periods, and maximums deserve close attention.
Supplement—not substitute.
Most products on this page are limited-benefit or ancillary coverage. They are not replacements for comprehensive major medical insurance and pay only under their contract terms.
The product map
Different gaps require different tools.
Availability, underwriting, benefit triggers, limits, and policy definitions vary by carrier and product.
Vision benefits
Review exams, lenses, frames, contacts, network allowances, replacement frequency, and the distinction between medical and routine eye care.
Hearing benefits
Review exams, hearing-aid allowances, networks, fitting, batteries, device limits, and replacement intervals.
Accident insurance
Scheduled cash benefits may apply to defined covered injuries and services, subject to exclusions and documentation.
Critical illness or cancer
A lump-sum or scheduled benefit may follow a covered diagnosis. Definitions, recurrence, survival periods, and reductions matter.
Hospital indemnity
Defined admission, daily, ICU, surgery, or related benefits may apply. Observation status and confinement definitions matter.
Short-term disability
Partial income replacement after a covered disability, subject to elimination period, benefit percentage, duration, offsets, and exclusions.
Long-term disability
Longer protection requiring review of occupation definitions, residual disability, offsets, elimination period, and duration.
Group and voluntary life
Review basic and supplemental amounts, guaranteed issue, evidence of insurability, portability, conversion, and beneficiaries.
Long-term-care insurance
Review covered settings, benefit triggers, elimination period, benefit pool, inflation options, and exclusions with a specialist.
Travel medical protection
Review emergency care, evacuation, repatriation, geographic limits, trip duration, pre-existing conditions, and activities.
Short-term limited-duration
This is not ACA-compliant comprehensive coverage and can exclude pre-existing conditions and essential benefits. Michigan restrictions apply.
A gap review
Define the risk before selecting a product.
01
What comprehensive coverage already exists?
02
Which costs would create financial stress?
03
Is the concern medical cost, non-medical expense, or lost income?
04
What emergency savings and employer benefits exist?
05
Which benefits would duplicate existing coverage?
06
What triggers payment?
07
Which exclusions and waiting periods apply?
08
Who receives the benefit?
09
How is a claim documented?
10
Can the premium remain affordable?
How benefits are delivered
Two products with similar labels can work very differently.
The policy schedule and definitions—not the marketing name—control the benefit.
Scheduled benefits
The policy may pay a stated amount for a defined diagnosis, injury, admission, service, or day of confinement regardless of the provider's full charge.
Expense-based benefits
The policy may reimburse eligible expenses up to a stated limit after required documentation is submitted.
Dental, vision, and hearing
The benefit may combine negotiated network pricing, service allowances, frequency limits, waiting periods, deductibles, and annual maximums.
Disability coverage
The benefit is usually tied to covered earnings and a contract definition of disability, with an elimination period, duration, offsets, and exclusions.
Group or voluntary coverage
Payroll deduction and simplified enrollment may be convenient, but portability, conversion, guaranteed-issue limits, and what happens at termination still matter.
Individual coverage
An individual contract may be portable, but underwriting, price, renewability, benefit changes, and coordination with existing coverage require review.
Read the contract
The label does not tell you how the benefit works.
Trigger
What precise event, diagnosis, service, or disability activates the benefit?
Amount
Is payment lump-sum, daily, scheduled, percentage-based, or reimbursement?
Time
Are there waiting, elimination, survival, recurrence, or benefit-duration rules?
Limits
What annual, lifetime, frequency, age, or per-condition maximums apply?
Exclusions
Which conditions, causes, services, activities, or pre-existing conditions are excluded?
Portability
Can workplace coverage continue after employment ends, and at what cost?
Coverage-gap conversation
Request a consultation Ask what the policy pays—and what it does not.
We can organize a general review, followed by product-specific discussion with an appropriately licensed professional.