Complementary Plans
Your primary insurance does not cover everything. Out-of-pocket gaps from deductibles, copays, and excluded services can add up to thousands of dollars each year.
Get a free consultationComplementary plans are additional layers of coverage designed to work alongside your main health insurance — not replace it. When a covered event occurs, these plans pay cash directly to you, giving you complete freedom to use the money however you need.
Whether it is an unexpected trip to the emergency room, a night in the hospital, or a dental procedure you have been putting off, complementary coverage helps bridge the gap between what your primary plan pays and what actually comes out of your pocket.
Available Plans
Accident Coverage
Provides a direct cash payment when you experience a covered injury — including fractures, dislocations, burns, lacerations, and emergency room visits. The money is yours to use for medical bills, lost wages, or anything else.
Hospitalization Coverage
Pays a fixed cash amount for each day you are admitted to the hospital. This benefit helps offset costs your primary insurance may not fully cover, such as deductibles, childcare, or transportation for family members.
Dental Coverage
Covers preventive and restorative dental care including routine cleanings, fillings, diagnostic x-rays, root canal therapy, crowns, and other essential procedures.
Vision Coverage
Includes annual eye examinations, prescription lenses, frames, contact lenses, and may contribute toward corrective procedures like LASIK.
Final Expense Coverage
A whole life policy specifically designed to cover end-of-life costs including funeral services, burial or cremation, and related expenses — with options for both domestic and international arrangements.
Why is it essential?
The money goes directly to you — no restrictions
Unlike traditional insurance that pays providers, complementary plans send cash straight to your bank account. You decide whether to use it for medical bills, household expenses, or anything else your family needs.
Works hand-in-hand with your existing insurance
These plans do not interfere with or replace your primary coverage. They activate independently when a qualifying event happens, giving you an extra financial cushion exactly when you need it most.
Affordable premiums for meaningful gap protection
Most complementary plans cost just a few dollars per week, making them an accessible way to dramatically reduce your financial exposure to the unexpected.
Who should consider this?
Common Questions
Not necessarily. Some complementary plans, like accident or final expense coverage, can be purchased independently. Others, such as dental and vision, are standalone products that do not require a medical insurance policy.
Accident coverage pays you a lump sum based on the type of injury, regardless of whether you miss work. This cash benefit can help cover lost income, medical copays, or any other expense while you recover.
It pays you. The benefit is deposited into your account and you have full control over how to use it. It is completely separate from any claims processed through your primary health insurance.
How to Choose the Right Plan
Review your current health plan's deductibles, copays, and exclusions
Identify where you've paid out of pocket in the past year
Consider your family's risk factors: active lifestyle, physically demanding jobs
Check whether you have dental and vision coverage — most primary plans don't include them
Let an advisor show you how a few dollars a week can fill the gaps
“One accident, one hospital stay, one dental emergency — the gaps in your coverage can cost you thousands. Close them before they happen.”