Supplemental Plans

Dental Insurance & Discount Plans – typically cover preventative dental care, and more extensive dental procedures.  Dental “Insurance” plans have waiting periods for major dental services, and have annual caps on benefits.  Dental “Discount” Plans don’t have waiting periods, and provide immediate “discounts” only, for covered services with in-network providers.  If you need dental work in the near future, a dental discount plan may provide you with the most savings on those upcoming procedures.  Click on the links below, do a search to see if your dentist accepts the plan, and read the details of the plan benefits before applying:

Dental Plan Brokers – Dental & Vision Discount Plans 

National General- Dental Insurance Plans

HumanaOne – Dental Insurance Plans

United Healthcare – Dental Insurance Plans

Cigna – Dental Insurance Plans

Accident Plans – Are a great tool for families with active kids and early retirees to help cover the ever increasing large deductibles on Major Medical ACA plans.  Healthy or not, anyone can have an accident.  Accidents are typically defined as a “hit or a cut” or external body event.  Examples include broken bones and stitches.

Critical Illness Plans  – Typically pay a fixed benefit or lump sum for heart attacks, cancer and strokes to assist in paying your our of pocket costs incurred on your Major Medical ACA plan, or for other non covered expenses.

National General – Accident & Critical Illness & Sickness Inpatient Hospital

IHC Metal Gap – Accident & Critical Illness

United Healthcare – Accident & Critical Illness

IHC Premier Benefits – Accident & Critical Illness

Value Benefits of America – Accident Only Plan

Per the new federal tax law, the ACA penalty in 2019 goes to 0%, and STM plans are now available for up to 12 months in Florida.

Short Term Health Plans are NOT ACA compliant, NOT eligible for ACA tax credits, and do NOT cover pre-existing conditions. They exclude coverage for prescriptions, maternity, mental health, preventative care, and other limits/exclusions.  (Read your policy) These plans should only be utilized by consumers who are not eligible for tax credits (due to higher income) and in great health. 

These plans can be a great bridge for consumers who are: between jobs, awaiting group coverage to be effective, not eligible for ACA enrollment, or eligible for Medicare in the near future.

CLICK ON LINKS BELOW TO VIEW QUOTES

National General – Short Term Medical Plans

United Healthcare – Short Term Medical Plans

Pivot Healthcare – Short Term Medical Plans

IHC Health Solutions Secure – Short Term Medical

Vision Insurance Plans – provides benefits for routine eye exams and eye wear expenses.  A consumer should carefully analyze the monthly premium against the benefits provided in the plan, and their projected utilization.  Most plans come with waiting periods and benefit limits.  Read the fine print.

United Healthcare – Vision Plan

HumanaOne – Vision Plan