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[contact-form-7 id="25" title="Sidebar Form"]Additional Coverage
Ancillary Insurance
Protect Your Health. Protect Your Finances.
Ancillary insurance is additional coverage designed to complement your Medicare or health insurance plan. Whether you have Medicare Advantage, a Medicare Supplement plan, Marketplace coverage or employer-sponsored health insurance, ancillary plans can provide additional financial protection for expenses your primary coverage may not fully pay.
Additional Coverage for Medicare & Health Insurance
Your primary health insurance is designed to help pay for medical care, but many plans still include deductibles, copays, coinsurance or services that are not fully covered. Depending on the policy you choose, ancillary insurance can help provide additional financial protection for unexpected medical expenses or routine healthcare needs.
Some plans pay cash benefits directly to you after a covered hospital stay, accidental injury or qualifying illness. Others help with everyday healthcare expenses such as dental, vision and hearing care.
Help Fill Coverage Gaps
Add protection for certain deductibles, copays and coinsurance.
Additional Peace of Mind
Complement your existing health insurance with another layer of protection.
Types of Ancillary Insurance
Ancillary insurance is not one product. It is a collection of additional coverages designed to complement your Medicare or health insurance plan. Explore the options below to learn how each type of coverage may fit into your healthcare strategy.
Hospital Indemnity Insurance
Provides cash benefits after a covered hospital stay that may help offset hospital copays and other unexpected expenses.
Learn MoreAccident Insurance
Designed to provide additional financial protection after a covered accidental injury and may help with eligible medical expenses.
Learn MoreCritical Illness Insurance
Can provide lump-sum cash benefits following a covered heart attack, stroke or other qualifying critical illness event.
Learn MoreCancer Insurance
Provides a lump-sum cash benefit after a covered cancer diagnosis that may be used for medical costs, travel, household bills or other needs.
Learn MoreDental, Vision & Hearing
Helps pay for routine dental care, vision services and hearing benefits that Original Medicare generally does not cover.
Learn More
Meet Oscar
Follow Oscar, a fictional Medicare beneficiary, as he compares Plan G with a Medicare Advantage PPO and explores how ancillary coverage may help.
Meet OscarA Medicare Case Study
How Can Ancillary Insurance Fit Into Your Medicare Strategy?
Many people turning 65 compare the predictable monthly cost of a Medicare Supplement plan with the lower upfront cost and potential copays of a Medicare Advantage plan. Ancillary insurance introduces another strategy by adding coverage for specific financial risks.
Can additional coverage help protect against certain Medicare Advantage copays while keeping monthly costs lower than a Medicare Supplement plan?
Meet Oscar
Oscar recently turned 65 and lives in New Port Richey, Florida. He is comparing the higher monthly premium using our Plan G vs. Plan N vs. Medicare Advantage PPO comparison . Like many new Medicare beneficiaries, he wants lower upfront costs but wonders whether adding ancillary insurance could help protect him from unexpected healthcare expenses.
Oscar pays more upfront, but his costs for Original Medicare-covered medical services are generally more predictable after the Part B deductible.
Strategy One
Medicare Supplement Plan G
- Monthly Plan G Premium
- $300
- Annual Part B Deductible
- $283
Estimated Annual Fixed Cost
$3,883
Oscar pays more upfront, but his costs for Medicare-covered medical services are generally more predictable after the Part B deductible.
Strategy Two
Medicare Advantage PPO
- Monthly Plan Premium
- $0
- Inpatient Hospital
- $500 per day, Days 1 to 6
- Outpatient Surgery
- $395
- Ambulance
- $250
- Physical Therapy
- $50 per visit
- Chemotherapy
- 20% coinsurance
- Maximum Out-of-Pocket
- $6,000
Oscar likes the lower upfront cost, but the amount he pays during the year depends on the healthcare services he uses.
Neither strategy is automatically better for everyone. The examples that follow show how Hospital Indemnity, Accident, Cancer, Heart Attack and Stroke coverage may fit alongside Oscar's Medicare Advantage PPO.
Oscar is a fictional example created for educational purposes. Premiums, copays, coinsurance, maximum out-of-pocket amounts and benefits vary by plan, carrier, service area, age, gender, ZIP code and coverage selected. This example is not a quote or recommendation.
Hospital Stay Example
Hospital Indemnity Insurance
Hospital Indemnity Insurance is additional coverage designed to pay cash benefits after a covered hospital stay. Depending on the policy selected, those benefits may help offset Medicare Advantage hospital copays or provide money for other expenses while you recover.
Helps offset covered hospital copays
Cash benefits may be paid directly to you
Works alongside your primary health coverage
Oscar Is Hospitalized for Four Days
Oscar selected a Hospital Indemnity policy designed to match the daily inpatient copay in this Medicare Advantage PPO example.
Example Monthly Premium
$50
Daily Hospital Benefit
$500
Benefit Period
6 Days
Outpatient Surgery Rider
$500
Oscar's Medicare Advantage PPO Copays
Hospital Day 1
$500
Hospital Day 2
$500
Hospital Day 3
$500
Hospital Day 4
$500
Estimated Hospital Copays
$2,000
Oscar's Hospital Indemnity Benefits
Daily Benefit, Day 1
$500
Daily Benefit, Day 2
$500
Daily Benefit, Day 3
$500
Daily Benefit, Day 4
$500
Example Benefits Paid
$2,000
Estimated Remaining Hospital Copay in This Example
$0
For approximately $50 per month, Oscar added coverage designed to help offset the inpatient hospital copays shown in this example. Whether this strategy makes sense depends on the Medicare plan, ancillary policy, budget and personal preferences.
Educational example only. Oscar is a fictional 65-year-old male living in New Port Richey, Florida. Premiums, benefits, waiting periods, riders, exclusions and policy availability vary by age, gender, ZIP code, carrier and coverage selected. Benefits are payable only for covered claims and are subject to the policy terms.
Accident Example
Accident Insurance
Accident Insurance is designed to provide additional financial protection after a covered accidental injury. Depending on the policy, benefits may help with eligible expenses such as emergency treatment, ambulance transportation, surgery, hospital confinement and follow-up care.
Helps with eligible accident-related medical expenses
May include ambulance and hospital benefits
Works alongside Medicare or health insurance
Oscar Trips Walking His Dog
While walking his dog through the neighborhood, Oscar trips over an uneven section of sidewalk and falls. He needs emergency care, X-rays, outpatient treatment and several physical therapy visits.
Example Monthly Premium
$32
Plan Selected
2 Units
Medical Expense Benefit
Up to $4,000
Hospital Confinement
$300 per day
Air & Ground Ambulance
Up to $10,000
Oscar's Medicare Advantage PPO Costs
Ground Ambulance
$250
Emergency Room Copay
$150
X-rays
Included in ER example
Outpatient Surgery
$395
Physical Therapy, 10 Visits
$500
Estimated Out-of-Pocket Cost
$1,295
How Accident Insurance May Help
Medical Expense Benefit
May help with eligible emergency care, X-rays, surgery and therapy
Air & Ground Ambulance
May help with covered ambulance transportation
Hospital Confinement
$300 per covered day, up to 30 days
Accidental Death Benefit
$50,000
Example Benefit Structure
Benefits depend on covered services and policy terms
Estimated Financial Impact
Benefits vary based on the covered accident, services received and policy provisions.
Accidents can happen at any age and often bring unexpected medical bills. For approximately $32 per month, Oscar added another layer of protection for covered accidental injuries while keeping his primary Medicare Advantage PPO.
Educational example only. Oscar is a fictional 65-year-old male living in New Port Richey, Florida. Premiums, benefit amounts, exclusions, limitations and policy availability vary by age, gender, ZIP code, carrier and coverage selected. Benefits are payable only for covered claims and are subject to the policy terms.
Serious Illness Example
Cancer, Heart Attack & Stroke Coverage
Cancer coverage can provide a lump-sum cash benefit after a covered cancer diagnosis. Heart Attack & Stroke coverage works similarly, but it is a separate policy with its own premium, covered conditions and benefit amounts.
Oscar Is Diagnosed With Colon Cancer
Oscar begins treatment after receiving a covered colon cancer diagnosis. His Medicare Advantage PPO helps pay for many medical services, but he may still face chemotherapy coinsurance, specialist visits, travel and other expenses during treatment.
Example Monthly Premium
$25.50
Coverage Selected
$10,000
Covered Diagnosis
Colon Cancer
Example Lump-Sum Benefit
$10,000
Oscar Receives
$10,000
The lump-sum cash benefit is paid directly to Oscar after a covered diagnosis and may be used for medical expenses or other financial needs while he focuses on treatment.
Chemotherapy Coinsurance
Travel to Specialists
Household Bills
Groceries and Daily Expenses
Other Financial Needs
Educational example only. Oscar is a fictional 65-year-old male living in New Port Richey, Florida. Cancer, Heart Attack and Stroke policies are separate coverages. Premiums, covered diagnoses, waiting periods, exclusions, benefit percentages and policy availability vary by carrier, state, age and coverage selected. Benefits are payable only for covered claims and are subject to the policy terms.
Routine Care Example
Dental, Vision & Hearing Coverage
Dental, Vision & Hearing coverage can help with routine care and services that Original Medicare generally does not cover. Depending on the plan selected, coverage may include preventive dental care, fillings, crowns, eye exams, glasses, contacts, hearing exams and hearing aids.
Oscar Needs a Crown and New Glasses
Oscar schedules a dental visit and learns he needs a crown. He also needs a new pair of glasses and wants coverage available if his hearing changes in the future.
Dental Annual Maximum
$1,500
Dental Deductible
$100
Dental Base Premium
$43.83 / Month
Dental + Vision + Hearing Example
$57.48 / Month
Dental
May include preventive exams and cleanings, fillings, crowns, root canals, bridges, dentures and other covered services.
Vision
May help with eye exams, lenses, frames, contact lenses and other covered vision expenses.
Hearing
May help with hearing exams, hearing aids and covered repairs or supplies after applicable waiting periods.
Educational example only. Oscar is a fictional 65-year-old male. Premiums, deductibles, annual maximums, covered services, waiting periods, provider networks and rider costs vary by carrier, state, age and coverage selected. The example combined premiums include the dental base plan plus the example vision and hearing rider rates.
Personalized Pricing
See What Coverage May Cost
Because ancillary insurance premiums vary by age, gender, ZIP code and the coverage selected, the examples on this page are for educational purposes only.
Capstone Health works with multiple ancillary insurance companies. For your convenience, Manhattan Life provides an online quoting tool where you can estimate premiums for several ancillary products in real time.
The quoting tool opens on Manhattan Life's secure website. Product availability, premiums, benefits and eligibility vary by state and applicant.
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