Supplemental Coverage

What does dental insurance typically cover?

Most dental plans cover preventive care (cleanings, exams, X-rays) at 100%, basic procedures (fillings, extractions) at 70–80%, and major procedures (crowns, bridges) at 50%. Many plans have annual maximums of $1,000–$2,000.

Is supplemental insurance worth it?

Supplemental insurance fills gaps in your primary coverage. If a health event occurs, supplemental plans like accident, critical illness, or hospital indemnity pay cash benefits directly to you, helping cover expenses your primary insurance doesn't.

What is hospital indemnity insurance?

Hospital indemnity insurance pays a fixed cash benefit for each day you're hospitalized, regardless of your other insurance. These payments can help cover deductibles, lost wages, and other expenses during a hospital stay.

Do I need vision insurance?

If you wear glasses or contacts, vision insurance can save you hundreds annually on exams, frames, and lenses. Many plans cover annual eye exams and provide allowances for corrective lenses or contacts.

Can I bundle dental and vision insurance?

Yes, many carriers offer bundled dental and vision plans at a discount compared to purchasing them separately. Michael can help you compare bundled options from multiple carriers to find the best value.

A: Yes, standalone dental plans are widely available and don't require you to have health insurance. You can purchase individual dental coverage directly from carriers or through the marketplace.

A: Accident insurance pays cash benefits for injuries from covered accidents, including fractures, dislocations, burns, lacerations, and concussions. Benefits help cover deductibles, copays, and non-medical expenses like transportation.

A: Critical illness insurance pays a lump-sum cash benefit if you're diagnosed with a covered condition like cancer, heart attack, or stroke. The money can be used for anything — medical bills, living expenses, or lost income.

A: Individual dental plans typically cost $20–$50/month. Family plans range from $50–$150/month. Most plans cover preventive care at 100%, basic procedures at 70–80%, and major procedures at 50%.