Indemnity & Ancillary Plans
Indemnity and ancillary insurance can provide additional protection for expenses that Original Medicare, Medicare Advantage, or Medicare Supplement coverage may not fully address.
Hospital indemnity
May pay fixed cash benefits for qualifying hospital admissions, inpatient days, observation, rehabilitation, or other covered services.
Dental coverage
May help with preventive services, fillings, extractions, crowns, dentures, and other covered dental care.
Vision and hearing
May help with exams, lenses, frames, contacts, hearing evaluations, and hearing aids, depending on the policy.
Accident or critical illness
May pay defined benefits after covered accidents, diagnoses, or treatments to help with medical and non-medical expenses.
Questions to ask
- What events and services trigger a benefit?
- Are benefits paid to you, the provider, or another party?
- Are there waiting periods, exclusions, benefit limits, or pre-existing condition provisions?
- Does the policy duplicate benefits you already have?
Questions about this information?
Calvin Sulak can help you understand how these general Medicare concepts may relate to your situation and the options available in your area.