supplemental coverage - michigan
Complete Your Coverage: Dental, Vision, & Hearing
Most major Medicare and ACA plans often exclude routine dental, vision, and hearing care. We bridge that gap with supplemental plans that ensure you're covered from head to toe.
THE GAP
Eyeglasses, contacts, hearing aids, and exams to fit them are typically 100% out-of-pocket without supplemental insurance.
A single root canal can cost $2,000. A pair of progressive lenses can cost $600. A set of hearing aids can cost $5,000.
What your main plan probably doesn't cover
01
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Medicare Part A & B Limits
Generally does not cover most dental care, procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, or dental plates.
Routine Vision & Hearing
COVERAGE OPTIONS
Four kinds of supplemental coverage we recommend.
Each addresses a specific gap left by Medicare or your main health plan. Most can be added or dropped any time — they aren’t tied to Open Enrollment windows the way ACA plans are.
Dental Insurance
Comprehensive oral wellness.
Keep your smile healthy and avoid high-cost emergencies with plans that cover preventive and major procedures.
- Preventive cleanings and x-rays
- Fillings, crowns, and root canals
- Orthodontics and implants options
Typical Cost: $25 - $50 / month
Hearing Coverage
Stay connected to your world.
Hearing aids can cost thousands out-of-pocket. Supplemental plans make audiologist visits and premium tech affordable.
- Hearing tests and evaluations
- Digital hearing aid technology
- Repair and maintenance coverage
Typical Cost: $15 - $30 / month
Vision Insurance
Clear sight for the future.
Offset the high cost of eyewear and ensure your eyes stay healthy with regular specialist checkups.
- Annual eye exams & digital imaging
- Frames, lenses, and contact lenses
- LASIK and corrective surgery discounts
Typical Cost: $10 - $20 / month
Accident & Critical Illness
Financial cushion for the unexpected.
Cash benefits paid directly to you to cover high deductibles or living expenses during recovery from major illness or injury.
- Lump-sum payouts for cancer/stroke
- Emergency room and hospital stay help
- Covers mortgage/bills while out of work
Typical Cost: $20 - $40 / month
FAQS
What people ask
about supplemental coverage.
When can I enroll in these plans?
Unlike standard health insurance or Medicare, most supplemental plans have year-round enrollment. You don't have to wait for an Open Enrollment Period to get covered.
Is there a waiting period for procedures?
Preventive services usually start on day one. Major services like crowns or hearing aids may have a 6-12 month waiting period, which is why we recommend enrolling before you need significant work.
Doesn't my Medicare Advantage plan already include this?
Many Advantage plans offer basic 'extra' benefits, but they are often limited in dollar amount. A standalone supplemental plan can work alongside your existing coverage to further reduce out-of-pocket costs.
Can I keep my current providers?
We work with multiple carriers that offer massive PPO networks or even 'any provider' options, allowing you to stay with the dentist or audiologist you've trusted for years.
How much do people actually save?
A single major surgery or hearing aid purchase can cost $3,000+. For a small monthly premium, most policyholders save 50-80% on their overall annual health spend when factoring in routine maintenance.