Spears & Co. broker reviewing supplemental coverage options with a family

Supplemental Coverage

Coverage for what your
health plan may not cover.

Supplemental insurance can add another layer of financial protection alongside your primary health coverage. We help you explore options for dental, vision, accidents, critical illness, hospital stays, and other needs.

DentalVisionAccidentCritical IllnessHospital

What is supplemental insurance?

Supplemental insurance is designed to work alongside your primary health coverage by helping with certain expenses or benefits that may not be fully covered by your main plan.

The exact benefits depend on the product, so we help you compare available options and understand how each type of coverage works before you enroll.

Dental

Coverage that can help with preventive care and other dental services, depending on the plan.

Vision

Options that may help with routine eye exams, glasses, contacts, and other vision-related expenses.

Accident

Coverage designed to provide benefits for certain covered injuries and accident-related expenses.

Critical Illness

Certain plans may provide benefits after a covered serious illness is diagnosed.

Hospital Coverage

Some products may provide benefits related to covered hospital stays or other eligible hospital services.

What can supplemental coverage help with?

The right supplemental coverage can help you prepare for expenses that may come up alongside your primary health plan. What it pays and how benefits are provided depends on the specific policy.

Routine care

Dental cleanings, eye exams, glasses, contacts, and other eligible routine services depending on the plan.

Unexpected injuries

Certain accident policies can provide benefits for covered injuries and related treatment.

Serious health events

Critical illness coverage may provide benefits following the diagnosis of certain covered conditions.

Hospital stays

Certain hospital indemnity products can provide fixed benefits for covered hospital admissions or stays.

Explore My Options →

Build coverage around your needs.

Supplemental coverage isn’t one-size-fits-all. You may only need one type of additional protection, or it may make sense to compare several options alongside your primary health coverage.

Start with what you already have

We look at your current health coverage and where you may want additional protection.

Prioritize what matters to you

Dental care, vision, unexpected injuries, hospital expenses, and serious illnesses can create different needs for different households.

Compare the available options

We help you understand the benefits, limitations, costs, and eligibility requirements before you choose.

Build My Coverage →

Supplemental coverage questions, answered.

Add protection where it matters.

Explore supplemental coverage based on your needs and understand your options before you choose.