Supplemental Plans

Cover the “Gaps” in Your Current Major Medical Coverage…

Supplemental Plans (or “Gap Plans”) are utilized by consumers to “fill the gaps” of high deductible ACA compliant Florida health insurance plans, or to cover items that may not be included in your health insurance policy. These types of plans are NOT a substitute for a Major Medical ACA compliant health plan. Lack of creditable coverage under the ACA may result in a penalty for non compliance. Learn how to “enhance” your existing ACA coverage below.

FL DENTAL INSURANCE & DISCOUNT 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

HumanaOne – Dental Insurance Plans

United Healthcare – Dental Insurance Plans

Cigna – Dental Insurance Plans

FL ACCIDENT & CRITICAL ILLNESS 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.

IHC Metal Gap – Accident & Critical Illness

United Healthcare – Accident & Critical Illness

IHC Premier Benefits – Accident & Critical Illness

Value Benefits of America – Accident Only Plan

FL SHORT TERM HEALTH PLANS

Short Term Major Medical Plans – are insurance plans typically lasting 1-12 months. Short Term Health Plans are NOT ACA compliant and you may still be subject to the ACA penalty for not having Minimum Essential Coverage (MEC). These plans can be utilized by consumers who are not eligible for a Special Enrollment Period (SEP) in the Marketplace, but need coverage to hold them over until the next Open Enrollment Period (OEP). These plans can be a great bridge for consumers who are: between jobs, awaiting group coverage to be effective, or eligible for Medicare in the near future.

National General – Short Term Major Medical Plans

United Healthcare – Short Term Major Medical Plans

IHC Health Solutions Secure Short Term Medical

FL VISION INSURANCE PLANS

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.