Bridge the Gaps Left by Major Medical Plans
Dental & Vision Insurance
Dental and vision coverage are either not included or offer limited benefits in most major medical plans — and they’re not covered by Original Medicare. Dental and vision plans are available whether you’re on Medicare, an ACA or employer plan with limited benefits, or have no other coverage at all.
Why It’s Worth Having
Most people don’t think about dental or vision coverage until they’re sitting in a chair being told they need a crown, a root canal, or progressive lenses. By then, the cost is already in front of them. Routine preventive care — cleanings, exams, screenings — is where these plans pay for themselves quietly, year after year. The coverage is often not thought about, until it’s needed.
What Does It Cost?
Dental and vision plans vary widely by carrier, benefit level, and whether you choose standalone or bundled coverage. Some plans have waiting periods for major dental work; others don’t. I can help you compare what’s available in your area and find something that fits your budget.
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Hospital Indemnity Insurance
A hospital stay can trigger out-of-pocket costs that major medical doesn’t fully absorb — deductibles, copays, and daily cost-sharing can add up quickly. Hospital indemnity insurance pays a fixed benefit directly to you when you’re hospitalized, giving you cash on hand to cover those costs however you need.
Why It’s Worth Having
Most people assume their health insurance covers a hospital stay; it does — but not all of it. What’s left after your plan pays is yours to pay for. For Medicare Advantage enrollees, hospital cost-sharing can be significant. For ACA plan holders, a high deductible can mean thousands out of pocket before coverage kicks in. Hospital indemnity puts cash in your hands when you need it most — no restrictions on how it’s spent.
How Much Does It Cost?
Benefits are paid as a fixed amount per day, per admission, or per event depending on the policy. Premiums vary by age, benefit amount, and carrier. I can help you find a plan that makes sense alongside your existing coverage.
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Accident Insurance
Accidents don’t schedule themselves — and the bills that follow often arrive faster than your health plan can process them. Accident insurance pays a fixed benefit when you’re injured in a covered accident, helping offset out-of-pocket costs your major medical plan may not fully cover.
Why It’s Worth Having
Whether a broken bone or a bad fall — injuries are not planned, and all of them come with costs beyond the emergency room visit. Deductibles, follow-up care, physical therapy, and time away from work add up in ways most people don’t anticipate. Accident insurance won’t prevent any of that, but it puts cash in your hands when you’re dealing with it.
How Much Does It Cost?
Benefits are paid as a fixed amount based on the type of injury or treatment received — directly to you, with no restrictions on how the money is spent. Premiums vary by age, benefit level, and carrier. I can walk you through what’s available and what makes sense alongside your current coverage.
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- coming soon
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Frequently Asked Questions
Get Your Questions Answered
Generally same-day responses — or by the next business day.
State Resources
- MyFloridaCFO.com — Verify agent licenses and explore Florida insurance product information
- oci.georgia.gov — Explore Georgia insurance product information and consumer resources
