Medicare and ACA plans don’t cover everything.
I help Colorado residents choose supplemental insurance coverage that fits their needs and budget, without the confusion.
If you’ve already enrolled in an ACA or Medicare plan, you’ve taken a big step toward protecting your health. But now you might be wondering:
“What about dental work?”
“What if I end up in the hospital?”
“What if I get cancer?”
“Do I need more than what I already have?”
These are important and valid questions – and yes, there are often still coverage gaps that can lead to out-of-pocket costs.
Waiting until something goes wrong to find out what’s not covered can be expensive. A little planning now can prevent big surprises later.
That’s where dental, vision, and supplemental health insurance come in.
Supplemental plans help protect you from common expenses that aren’t fully covered by ACA or Medicare. Here’s what we can explore together:
also known as MediGap; covers the out-ofpocket costs not covered by Original Medicare (Part A and Part B).
May cover everything from routine dental exams to implants; routine eye exams to glasses and contacts
Provides a cash benefit to help for costs related to hospital stays and emergencies
Offers financial protection for both medical and non-medical expenses including at-home assistance, second opinions from out-of-network doctors, travel, lodging and more
Helps cover expenses after surgery or rehab that your primary insurance might not include
Ensures you’re protected when traveling out of state or internationally
You don’t need every type of supplemental coverage. I’ll help you determine what makes sense based on your unique situation.
You might want to explore supplemental insurance if:
Even small coverage gaps can turn into big expenses. I’ll help you plan for the “what ifs” while staying aligned with your budget.
There’s no pre-packaged bundle that works for everyone. When we work together, I’ll:
Most of my clients tell me the same thing:
“I didn’t even know this kind of coverage existed, but now I wouldn’t go without it.”
Whether you’re just starting to think about these add-ons or have specific concerns in mind, I’m here to walk you through it all.
Original Medicare doesn’t cover routine dental or vision care. You’ll need a separate plan if you want coverage for things like cleanings, exams, or glasses.
Some ACA plans include limited coverage, but most require you to add a separate plan. I can help you compare options.
It’s a type of supplemental coverage that pays you directly if you’re hospitalized. This helps to offset deductibles, coinsurance, and lost income.
Many are surprisingly affordable. I’ll help you weigh the cost against the risk, so you can make an informed decision.
That’s exactly what we’ll figure out together, based on your healthcare goals and existing coverage.
You’ve already taken important steps toward protecting your health and future. Let’s finish the job by making sure you’re not left with surprise expenses when life throws you the unexpected.