01
Dental coverage
It may help with preventive services and, depending on the policy, basic or major treatment. Review networks, annual maximums, waiting periods, payment percentages, and exclusions before choosing.
02
Vision coverage
It commonly focuses on eye exams and allowances or discounts for glasses or contacts. Frequency, participating providers, and limits vary.
03
Hearing coverage
It may include evaluations, discounts, or defined hearing-aid benefits. Review limits, replacement frequency, and authorized providers.
04
Hospital indemnity
These policies may pay defined amounts for covered events such as an admission or hospital days. Payment depends on the policy terms and may not equal the hospital's actual cost.
05
Accident insurance
It may provide defined payments for covered injuries or services after an accident. Review excluded activities, claim requirements, and coordination with other coverage.
06
Critical illness, cancer, or heart coverage
When available, this type of policy may pay a defined benefit for covered diagnoses or events. Medical definitions, waiting periods, exclusions, and preexisting-condition rules are especially important.
07
How to compare supplemental coverage
Start with the risk or expense you want to address. Then compare premium, maximum benefit, exclusions, waiting periods, renewal, and the claims process. Read the coverage summary and policy before enrolling.