Your Coverage Doesn’t Have to Stop at Medicare.

Medicare covers 80%.
We help with the other 20%.

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20%

your gap

Medicare covers — 80%

Your gap — 20%

We help cover what’s left.

additional coverage

Why Ancillary Coverage Matters

Medigap helps reduce many medical cost gaps, but it does not address several of the services people use most as they age. This is where ancillary coverage plays an important role. Ancillary plans are designed to help protect against expenses that Medicare and Medicare Supplements (Medigap) do not cover, helping provide support for:

Hospital
Indemnity

Dental

Vision

Hearing

Accident

Long-Term Care

Final Expense

Cancer

Home Healthcare

Private-Duty Nursing Care

Where Medicare Coverage Ends

While Medicare and Medicare Supplement (Medigap) plans provide important protection, they were never designed to cover every healthcare or financial expense you may face. Many everyday and long-term needs still fall outside of traditional coverage.

Common expenses not covered by Medicare or Medigap include:

Routine dental, vision, and hearing care.

Long-term care and custodial care services.

Final expenses and funeral costs.

Extended out-of-pocket costs from prolonged hospital stays.

Prescription costs that exceed Part D coverage limits.

These are not minor expenses. Over time, uncovered costs can add up quickly and place unexpected pressure on retirement savings.

Common expenses not covered by Medicare or Medigap include:

Most people are surprised to learn how much Medicare leaves out. Here is what you are still responsible for even with Medicare and a supplement plan in place:

Routine dental, vision, and hearing care. Long-term care and custodial care services. Final expenses and funeral costs. Extended out-of-pocket costs from a prolonged hospital stay. Prescription costs beyond what Part D covers.

These are not small expenses. Without the right coverage in place, they can quickly add up and put a serious strain on your retirement savings.

The Limitations of Medigap

Medigap is a powerful tool for covering what Original Medicare leaves behind, but it has its limits. Medicare Supplement plans do not cover:

Dental, Vision or Hearing care

Long-term Care, Final Expense

Extended hospital stays beyond what Medicare approves

For many people, these uncovered costs become some of the most significant expenses they face in retirement. That is where ancillary plans come in.

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Medicare covers 80%.We help with the other 20%.

Why Ancillary Coverage Matters

HospitalIndemnity

Dental

Vision

Hearing

Accident

Long-Term Care

Final Expense

Cancer

Home Healthcare

Private-Duty Nursing Care

Where Medicare Coverage Ends

Common expenses not covered by Medicare or Medigap include:

Common expenses not covered by Medicare or Medigap include:

The Limitations of Medigap

Medicare covers 80%.
We help with the other 20%.

Hospital
Indemnity