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Health Ancillary

While you may have primary health insurance that provides much of the coverage you need, there may still be some things that aren’t completely covered. If this is the case for you, you should consider looking into health ancillary plans, such as the ones listed below.

These plans can supplement your primary coverage and make sure you get the coverage you need.

Health Insurance

A health insurance plan will typically serve as your primary health insurance coverage. These can include anything from an ACA Plan to even Medicare, and will provide coverage for your medical and surgical costs.

Choosing which health insurance plan is best for your needs will ultimately depend on the coverage you’re needing and your budget. Each plan will have different guidelines regarding coverage, in-network and out-of-network providers, and costs such as deductibles, premiums, copayments, and more. Some will even have specific eligibility requirements you will need to meet in order to enroll in a plan.

However, the team with Schwenker Senior Insurance will help you compare these plans and their rates, and help you figure out what coverage is not provided. We can then help you look at different supplemental plans to add on.

Dental Insurance

Most health insurance plans won’t provide coverage for dental services unless it is considered medically necessary or is a health emergency. With a dental plan, though, you will be able to get coverage for the regular dental treatment that you need, which in the long run, can help prevent other serious conditions that can impact your health.

Cancer Insurance

A cancer insurance policy is supplemental coverage that will provide coverage for any cancer-related medical costs that will not be covered by your primary health insurance plan. These costs can include deductibles, copayments, travel expenses, and treatment.

Once you have been diagnosed, your cancer policy will provide you with a lump-sum payment and will not only cover the costs listed above, but also cover services you receive, such as:
• Chemotherapy
• Radiation
• Hospital room and board
• Prescriptions
• Surgeries/anesthesia
• X-rays
• Blood/blood plasma
• Ambulance services

Hospital Indemnity

Hospital indemnity insurance is medical insurance that pays benefits when you are hospitalized. Some plans will provide you with cash payments that are based on the amount of time you spent hospitalized. Even if your primary health insurance covers much of these costs, you can still use the payments from your hospital indemnity plan to pay for other hospital expenses, such as deductibles or coinsurance.

Besides coverage for hospitalizations, these policies may also provide coverage for:
• Intensive care
• Critical care
• Ambulance services
• ER visits
• Outpatient services

Accidental Insurance

Everyone is prone to accidents, but having proper coverage can make these accidents a little easier to deal with. That’s why having accidental insurance can offset the costs that aren’t covered by your current primary health insurance. For example, these policies may cover:
• Injuries – burns, concussions, fractures, eye injuries, etc.
• Medical services/treatments – emergency care, ambulance services, x-rays, MRIs, etc.
• Hospitalization

To learn more about how accidental insurance can provide the coverage you may need, reach out to us today.

Get The Coverage You Deserve

At Schwenker Senior Insurance, our team is dedicated to finding you the affordable coverage you’re looking for. For more information about health ancillary products, give us a call today!

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