Medicare Add-Ons
Add-on coverage can reduce out-of-pocket surprises, protect your budget, and round out benefits that Original Medicare and many plans don’t fully cover. Below are common add-ons our clients consider and how they help.
While Medicare offers important protection, it’s not a single plan that covers everything. Instead, it’s made up of parts that work together—and you choose the combination that fits your needs, budget, and lifestyle.
Cancer, Heart Attack & Stroke Coverage
CHS coverage can complement both Medicare Supplement and Medicare Advantage (MAPD) by helping with routine cost exposure and targeted gaps—making day-to-day care more predictable.
- Helps with copays/coinsurance for common services.
- Set benefits toward covered events to keep costs predictable.
- Works alongside your existing Supplement or MAPD—no core plan change needed.
Hospital Indemnity Plans
Many Medicare Advantage plans use copays for inpatient or observation stays. Hospital indemnity plans pay a set cash benefit directly to you when admitted—money you can use for copays, travel, or related costs.
- Cash benefits for covered admissions/observation.
- Optional riders for ER, skilled nursing, or outpatient surgery.
- Pairs with MAPD to reduce unexpected out-of-pocket bills.
Dental, Vision & Hearing Plans
Medicare Supplement plans typically don’t include routine dental, vision, or hearing. A DVH plan adds those everyday benefits so you can maintain preventive care and handle bigger needs when they arise.
- Dental: cleanings, X-rays, basic/major services (plan-dependent).
- Vision: exams + allowances for lenses/frames/contacts.
- Hearing: exams and device allowances.
Umbrella Coverage
Our Umbrella Coverage options combine ancillary health insurance products into tailored solutions that cover Medicare's major exposures.
Need help figuring out what additional coverage might suit you?
We’ll walk you through the options, compare benefits and costs, and help you choose a plan that fits your healthcare needs and budget.