Ancillary Policies

Ancillary policies are a great way to fill in the gaps that your traditional insurance plan doesn’t cover. The three main types of policies we sell in this space are:

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Accident

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• This type of policy will pay you a cash benefit when you experience an accident and go to the Emergency Room. The cash benefit is paid directly to you – not to your insurance carrier. You can use these funds to compensate for any missed wages; pay any outstanding bills; or cover the bill from the ER.

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Hospital Recovery

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• Often paired with Medicare Advantage plans, these types of policies pay you a cash benefit for an inpatient hospital stay. We like to set this benefit to match the copay from your Advantage plan – this way when you get out of the hospital, you have the funds available to pay the copay from your Advantage plan.

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Critical Illness/Cancer

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• These types of policies pay you a cash benefit on diagnosis of a Critical Illness/Cancer. Critical Illness usually includes heart attack, stroke, cancer, and organ failure. Since these illnesses usually put a strain on your ability to work, these policies provide a cash benefit directly to you upon diagnosis which can be used for missed wages, travel/stay for treatment, etc.