Ancillary Coverage
Ancillary Benefits That Fill the Gaps
Health insurance covers a lot, but not everything. Ancillary benefits are designed to pick up where traditional coverage leaves off, helping you manage unexpected costs that can hit hard when you’re least prepared.
These plans are flexible, affordable, and a great way to round out your insurance coverage.
Accident Insurance
Accident plans help cover the out-of-pocket costs that come with unexpected injuries — think ER visits, ambulance rides, or broken bones.
This type of plan is especially helpful for active families with kids who play sports or tend to take the occasional tumble.
Accident plans typically cover:
ER and urgent care visits
X-rays and diagnostic imaging
Fractures, dislocations, and concussions
Ambulance and hospital transport
Lump-sum payouts for certain injuries
Ideal for: Families with children, athletes, outdoor enthusiasts, or anyone with a high-deductible health plan.
Critical Illness Insurance
Critical illness coverage pays a lump sum if you’re diagnosed with a major condition like cancer, heart attack, or stroke. You can use the money however you need — from covering bills and travel to offsetting lost income.
Coverage highlights:
Lump-sum benefit upon diagnosis
Covers major illnesses such as:
Cancer
Heart attack
Stroke
Organ failure
Use the money for treatment, living expenses, or recovery time
Ideal for: Families with a history of major illnesses, self-employed individuals, or anyone who wants added financial protection from a serious diagnosis.
Hospital Indemnity Plans
Hospital indemnity plans pay you directly when you’re admitted to the hospital. These plans help cover high deductibles, coinsurance, and other costs that come with a hospital stay.
What’s typically covered:
Daily hospital admission benefits
ICU and surgery benefits
Maternity hospitalization
Can be used alongside any health plan
Ideal for: Parents of young children, people with high-deductible health plans, or anyone who wants help with unexpected hospital costs.
Short-Term Disability Insurance
If you’re unable to work due to an injury or illness, short-term disability coverage replaces a portion of your income during your recovery.
Key features:
Covers temporary disabilities (typically up to 6 months)
Weekly benefit based on a percentage of your income
Short waiting periods (as little as 7 days)
Can be bundled with accident or hospital coverage
Ideal for: Self-employed professionals, contractors, freelancers, or anyone without employer-provided disability coverage.
Hospital Indemnity Plans
Hospital indemnity plans pay you directly when you’re admitted to the hospital. These plans help cover high deductibles, coinsurance, and other costs that come with a hospital stay.
What’s typically covered:
Daily hospital admission benefits
ICU and surgery benefits
Maternity hospitalization
Can be used alongside any health plan
Ideal for: Parents of young children, people with high-deductible health plans, or anyone who wants help with unexpected hospital costs.
Long-Term Disability Insurance
Long-term disability provides income protection if you become unable to work for an extended period due to illness or injury.
What it provides:
Monthly income replacement (after an elimination period)
Coverage for chronic illness or long-term injuries
Benefits may last for several years or until retirement age
Ideal for: Business owners, high-income earners, or individuals who rely heavily on their income to maintain their lifestyle or support their family.
Long-Term Care Insurance
Long-term care insurance helps pay for services like assisted living, home health aides, and nursing homes that aren't covered by Medicare.
Benefits include:
Daily or monthly benefits for care at home or in a facility
Flexible benefit periods and inflation protection options
Helps preserve assets for retirement or legacy planning
Ideal for: Adults nearing retirement (usually age 50+), early retirees, or those with family history of chronic care needs.
Let’s Build the Right Safety Net for You
Ancillary benefits are all about protecting your income, your health, and your peace of mind. Whether you’re a parent, a business owner, or planning for the future — we’ll help you choose the right mix of protection.
Ready to get started finding a better option?
See what our clients have to say!
Have a question? Give us a call at (817) 562-0903.
Medicare Disclaimer: We do not offer every plan available in your area. Currently, we represent 10+ carriers that offer over 100 products. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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