Ancillary Benefits: Filling the Gaps in Your Health Plan
Health insurance is essential — but it doesn’t cover everything. That’s where ancillary benefits come in.
Ancillary products are designed to complement your primary medical plan by helping cover out-of-pocket costs such as deductibles, copays, coinsurance, lost income, and unexpected medical expenses. These solutions provide an extra layer of financial protection for both employers and employees. Unlike many insurance products, Unlike many insurance products, benefits are paid directly to you, so you can use them however you like.
Cancer
Offers lump-sum or scheduled benefits if diagnosed with cancer. Funds can be used for treatments, travel, lost income, or household expenses during recovery.
Critical Ilness
Provides a lump-sum cash payment upon diagnosis of covered conditions such as heart attack, stroke, or major organ failure. This benefit helps protect savings and maintain financial stability during serious health events.
Accident
Provides cash benefits for covered injuries resulting from accidents such as fractures, ER visits, ambulance rides, or follow-up care. Benefits are paid directly to the insured to help offset deductibles, copays, and other unexpected expenses.
Dental
Helps cover preventive care, basic services, and major procedures such as cleanings, fillings, crowns, and sometimes orthodontics. Dental coverage protects both oral health and your wallet by reducing out-of-pocket costs for routine and unexpected dental care.
Vision
Covers routine eye exams, glasses, and contact lenses. Vision benefits make it affordable for employees and their families to maintain healthy eyesight and catch potential issues early.
Hospital Indemnity
Pays a fixed cash benefit for hospital admissions, daily stays, ICU confinement, and related services. This coverage helps ease the financial burden of hospital stays that major medical plans don’t fully cover.
Disability
Replaces a portion of income if an illness or injury prevents you from working. Short-term and long-term disability plans help protect your paycheck and your lifestyle when you need it most.
Life Insurance
Provides financial protection for your family or business in the event of your passing. Coverage can help pay off debts, replace income, fund buy-sell agreements, or provide long-term security for loved ones.
Long Term Care
Provides financial support if you need assistance with daily living activities such as bathing, dressing, eating, or extended care due to chronic illness, injury, or aging. Long-term care coverage helps protect personal assets and retirement savings from the high cost of nursing homes, assisted living, or in-home care services.