Major medical handles the big stuff. Ancillary coverage handles everything else: the deductible, the dental cleaning, the broken arm, the hospital stay that drains a savings account. Affordable add-ons that pay cash directly to you, when you need it.
Even a "good" health plan leaves real exposure: deductibles north of $5,000, no dental or vision, no income protection if you can't work. Ancillary policies are inexpensive, single-purpose products that pay cash benefits directly to you when something goes wrong, so you can cover the deductible, the bills, the time off, and keep moving.
They're often cheaper than the line item on your phone bill, and they layer easily with whatever major medical or life coverage you already have. Most clients we work with bolt on two or three.
Build My Coverage Stack| Avg. family deductible | $5,400+ |
| Avg. ER visit | $2,600 |
| Avg. hospital stay (3 days) | $13,000 |
| Avg. dental crown | $1,500 |
| % of Americans w/ ≥$1,000 saved | 44% |
Industry averages. A small monthly premium can be the difference between a manageable bill and a financial crisis.
Each of these is a stand-alone policy. Mix and match. They all stack together.
Cleanings, fillings, crowns, more
Exams, frames, contacts, lenses
Cash for hospital stays
Cancer, heart attack, stroke
Cash benefits for injuries
$0 doctor visits, 24/7
Specialized cancer-only plans
Income while you recover
Voluntary benefits for employers
A well-built ancillary stack typically runs $100 – $200 / month and can pay you cash directly when something goes wrong, on top of covering the routine dental and vision care your major medical plan ignores.
We'll build the stack with you, side-by-side, with no fee.
Healthy 35-year-old individual:
| Dental | $26 / mo |
| Vision | $10 / mo |
| Accidental injury | $22 / mo |
| Hospital indemnity | $88 / mo |
| Total | $146 / mo |
Sample only. Real quotes vary by carrier, age, and state.
Most people do. Even a "good" plan leaves a $3,000-$8,000 deductible, no dental, no vision, and no income protection. A small ancillary stack is the cheapest way to plug those gaps. And the benefits pay cash to you, not to a hospital.
Generally no. Indemnity and accident benefits paid to you are typically not taxed as income, because you're being reimbursed for medical events. We'll always recommend confirming specifics with a CPA.
Health insurance pays the doctor, hospital, or pharmacy. Ancillary policies pay you a fixed cash benefit when a covered event happens. You decide what to do with the money (deductible, bills, groceries, lost income, anything).
Yes. Many of these policies stand alone. They aren't a replacement for major medical, but if you're between plans or have catastrophic-only coverage, ancillary fills critical gaps.
Some do. Many don't. Employer plans often cover dental and vision, but rarely include accident, hospital indemnity, or critical illness. We can review your benefits booklet for free and tell you exactly what to add.
