Not all services related to dental care are covered by health insurance policies. There are a set st ancillary services like- creating the tooth crown, pre-surgery and post-surgery x-rays, cleaning of the teeth, making braces, molding artificial teeth etc., which do not get directly covered under dental insurance plans. Buying ancillary health insurance in dentistry can help minimize costs a great lot for these allied services.
In visual care also, there are a host of services that do not fall under direct medical care. These ancillary services like; preparing the lens, testing the eye’s power, frame fitting, x-ray of the eyes, and shots for eyecare are covered under Ancillary health care. In most cases, your Medicare or Madigap plans will not cover these services. Having an additional plan than covers these ancillary services may prove worthwhile.
Short Term Disability
This covers a standard period of time, defined by the company, wherein employees are eligible for short-term disability coverage, typically for two years or less.
Long Term Disability
This policy provides monthly income payments for insureds who become disabled for an extensive length of time, typically two years or longer.
Long Term Care
These are policies that provide coverage for not less than one year for diagnostic, preventive, therapeutic, rehabilitative, maintenance, or personal care services provided in a setting other than an acute care unit of a hospital, including policies that provide benefits for cognitive impairment or loss of functional capacity. This includes policies that provide only nursing home care, home health care, community based care, or any combination. The policy does not include coverage provided under comprehensive/major medical policies, Medicare Advantage, or for accelerated heath benefit-type products.
Cancer & Critical Illness
Critical illness insurance covers you if you are diagnosed with a covered critical illness. The carrier typically pays a lump sum benefit to the insured in the form of a check instead of to the doctors. Coverage is meant to fill the gaps of what traditional or conventional health insurance does not cover.
Accidental Death and Dismemberment (AD&D)
This is an insurance contract that pays a stated benefit in the event of death and/or dismemberment caused by accident or specified kinds of accidents.