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.