Medicare Add-Ons

Medicare does a great job covering major medical needs, but it doesn't cover everything. 

If you've ever wondered: 

• "What does medicare not cover?"

• How do I avoid unexpected medical bills?"

You're not alone. 

That's where add-on coverage comes in. 

I help you fill in those gaps with optional plans that give you extra financial protection and peace of mind, without replacing your Medicare.

Add-on (or supplemental) coverage includes optional plans designed to:

• Help cover out-of-pocket costs

• Provide extra financial support during illness or recovery

• Cover everyday services like dental, vision, and hearing

• Protect your family from unexpected expenses

These plans work alongside your Medicare, not replace it. 

Cancer, Heart Attack & Stroke Insurance

Provides a lump-sum cash payment after diagnosis

Best for:

• Major health events like cancer, heart attack, or stroke

Why it helps: 

• Covers costs Medicare doesn't

• Helps with recovery expenses or missed income

• Gives financial flexibility during a stressful time

Hospital Indemnity Plans

Pays you cash for hospital stays

Best for: 

• Medicare Advantage plans with inpatient copays

• Protecting against unexpected hospital bills

May also help cover:

• ER visits

• Skilled nursing stays

• Outpatient procedures

Dental, Vision & Hearing Plans

Covers routine care that Medicare typically doesn't

Best for:

• Glasses, contacts, or eye exams

• Dental work like cleanings, fillings, or dentures

• Hearing tests and hearing aids

Short Term Recovery Coverage

Helps support you after a hospital stay or surgery

Best for:

• At-home recovery after illness or procedures

May Include:

• Temporary home health care

• In-home assistance

• Transition support from hospital to home

Here's a simple way to think about it:

• Hospital stays? --> Hospital indemnity

• Serious illness concerns? --> Cancer/heart/stroke coverage

• Routine care needs? --> Dental, vision, hearing

• Recovery Support? --> Short-term recovery plans

They DO:

• Help cover specific gaps in your Medicare coverage

• Provide extra financial protection

• Give you more control over your healthcare costs

They DON'T:

• Replace your Medicare plan

• Act as your primary insurance

• Change your doctor network

There's no one-size-fits-all when it comes to Medicare.

I help you:

• Identify where you're actually exposed financially

• Recommend only what makes sense for your situation

• Keep things simple, no pressure, no unnecessary coverage

The goal isn't to add more, it's to make sure you're covered where it matters most. 

If you're not sure what you need. I'll walk you through your options step-by-step. 

Schedule a free consultation today or reach out and we'll take a look at your current coverage together.

Is this the same as Medigap?

No. Medigap helps cover costs within Medicare Parts A and B. These add-on plans focus on things like hospital stays, recovery, and everyday care. 

Can I have these with a Medicare Advantage plan?

Yes. Many people use add-on coverage to fill in gaps that Advantage plans leave.

How much does this cost?

It depends on the type of coverage, age, and location, but many of these plans are affordable and customizable.