— TOTal protection
Ancillary Products
Essential protection for the gaps in traditional coverage, from dental and vision to international travel medical.
Completing Your Coverage Shield
Major medical plans—including Medicare and ACA Marketplace options—are a fantastic start, but they have inherent holes. Unexpected out-of-pocket costs for routine dental surgery, vision correction, hearing aids, or international medical emergencies can quickly drain a retirement fund. Ancillary products are your financial defense against the "little things" that add up to big bills. These plans provide targeted cash benefits or direct provider payments to ensure your primary health plan doesn't leave you vulnerable to hidden costs.
"The best insurance plan is one that protects your savings as much as it protects your health."
Hospital Indemnity Benefits
Many Medicare Advantage plans have daily copays for the first 5-7 days of a hospital stay (e.g., $350 per day). Hospital Indemnity plans are designed to pay you a cash benefit for every day you are hospitalized, effectively covering those copays so you pay $0 out-of-pocket for your stay.
Cash Paid Directly to You
Coverage for ER and Observation
No Waiting Periods for Injury
Fixed Benefit Amounts
Dental, Vision & Hearing
Original Medicare provides very limited coverage for routine cleanings, glasses, or hearing aids. Our standalone plans provide robust coverage with networks of over 100,000 providers. We focus on plans with zero waiting periods for preventive care, so you can get your cleaning or eye exam on day one.
Routine Cleaning Coverage
Lens and Frame Allowance
Hearing Aid Benefit Levels
Major Dental Procedure Buffers
Global & Travel Medical
Retirement is the time to see the world. We make sure you are protected outside the U.S. borders.
Emergency Medical Evacuation
Standard Medicare does not cover medical evacuation from a foreign country. Our travel plans ensure that if a crisis happens abroad, you are transported to a state-of-the-art facility or back home to the U.S. without a $50,000 bill.
International Urgent Care
Stay protected from international hospital costs, physician visits, and prescription needs while traveling. We offer short-term "trip based" plans and annual "multi-trip" plans for the frequent explorer.
Protect Your Retirement Savings with a Zero Out-of-Pocket Health Plan
Don't leave your retirement savings vulnerable to the "little things" that add up. Let's build your custom protection bundle to ensure a truly zero out-of-pocket health year.
