Fill the Gaps in Your Health Coverage – Without the Guesswork
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.
Why Supplemental Coverage Matters
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.
What Does Supplemental Insurance Actually Cover?
Supplemental plans help protect you from common expenses that aren’t fully covered by ACA or Medicare. Here’s what we can explore together:
Medicare Supplements
also known as MediGap; covers the out-ofpocket costs not covered by Original Medicare (Part A and Part B).
Dental & Vision Insurance
May cover everything from routine dental exams to implants; routine eye exams to glasses and contacts
Hospital Indemnity Plans
Provides a cash benefit to help for costs related to hospital stays and emergencies
Cancer, Heart Attack, and Stroke Coverage
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
Short-Term Recovery Plans
Helps cover expenses after surgery or rehab that your primary insurance might not include
Travel Health Insurance
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.
Who Can Benefit From Extra Coverage?
You might want to explore supplemental insurance if:
- You’ve recently enrolled in Medicare and were surprised by what’s not included
- You’re managing a chronic condition and want added protection
- You’re retired and travel frequently
- You want to avoid high costs after an accident or health event
- You simply want peace of mind that your plan won’t leave you with surprise bills
Even small coverage gaps can turn into big expenses. I’ll help you plan for the “what ifs” while staying aligned with your budget.
A Personalized Approach to Protecting What Matters
There’s no pre-packaged bundle that works for everyone. When we work together, I’ll:
- Take time to understand your health needs, lifestyle, and budget
- Explain the pros and cons of each supplemental option
- Make sure any plan you choose works with your current ACA or Medicare coverage
- Only recommend what you actually need – no pressure, ever
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.
Common Questions About Supplemental Insurance
Does Medicare include dental or vision benefits?
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.
Can I add dental or vision to my ACA plan?
Some ACA plans include limited coverage, but most require you to add a separate plan. I can help you compare options.
What is hospital indemnity insurance?
It’s a type of supplemental coverage that pays you directly if you’re hospitalized. This helps to offset deductibles, coinsurance, and lost income.
Are these plans expensive?
Many are surprisingly affordable. I’ll help you weigh the cost against the risk, so you can make an informed decision.
How do I know what I actually need?
That’s exactly what we’ll figure out together, based on your healthcare goals and existing coverage.
Let’s Make Sure You’re Fully Covered
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.