Supplemental & Indemnity Coverage
Medicare and a Medicare Advantage plan leave real gaps — daily hospital co-pays, the cost of a serious diagnosis, help at home after surgery. These policies pay cash directly to you to close them.
None of these replace your health insurance, and none of them are Medicare products. They sit alongside what you already have and pay you a fixed amount when something specific happens, whatever your health plan does.
Which of them is worth buying depends entirely on the coverage you already hold. Somebody with a comprehensive Medigap policy may need none of this; somebody on a Medicare Advantage plan with a seven-day inpatient co-pay may find the first one on this list pays for itself in a single admission.
Three policies that pay you cash
Hospital Indemnity Insurance
Pays you a fixed cash amount for each day you spend in hospital, whatever your other coverage pays. Most often bought to cover the daily co-pays a Medicare Advantage plan leaves behind.
Worth a look if your Medicare Advantage plan charges a per-day inpatient co-pay.
Accident Insurance
Cash toward what an accident actually costs — the emergency room, the ambulance, the nights in hospital — paid on top of whatever your health plan pays.
Worth a look if your health plan has a deductible a single emergency room visit would blow through.
Cancer and Critical Illness Insurance
Pays a lump sum in cash on diagnosis, to spend on anything at all — co-pays, travel, a mortgage payment, time off work.
Worth a look if a diagnosis would cost you months of income as well as co-pays.
Cancer and Dread Disease Insurance
Pays toward the cost of cancer treatment line by line — chemotherapy, surgery, nights in hospital, the travel to get there — rather than one lump sum on diagnosis.
Worth a look if you want coverage that keeps paying through a long course of treatment.
Short-Term Home Health Care Insurance
Pays a daily cash benefit for care at home after an illness, injury or surgery, on the same trigger long-term care insurance uses but for a limited period.
Worth a look if you want coverage for the recovery weeks after surgery or a fall.
Short-Term Care Insurance
Pays a daily cash benefit for a stay in a nursing home, an assisted living facility or hospice — with care at home as a rider — for months rather than years, and it will take applicants up to 89.
Worth a look if long-term care insurance turned you down, or you are past the age most of the market will quote.
Dental Insurance
Coverage for the routine dental care Original Medicare does not pay for, with vision and hearing available as additions to the same policy.
Worth a look if dental work is coming and nothing is paying for it. Vision and hearing attach to the same policy.
Vision Insurance
A vision plan bought on its own — the eye exam, the frames, the lenses and the contact lens allowance Original Medicare does not pay for.
Worth a look if you wear glasses or contacts and want them covered without buying a dental policy to get it.
Shopping for dental? Seven policies, built differently. The plan finder asks eight questions and shows you which of them match, which your answers rule out, and which ones the documents cannot answer. It ranks nothing.
Several companies, one agent, and the answer “you do not need this” on the table
Independent, and appointed with more than one company
Darin is appointed with each of these companies and can place coverage with any of them. We do not represent every insurer, and which company suits you depends on your age, your state, your health history and which benefits you actually want. Where a carrier's benefits are described on this page, those details come from that carrier's own current brochure.
- Guarantee Trust Life (GTL)
- Continental Life Insurance Company of Brentwood, Tennessee, an Aetna company
- Manhattan Life
- Mutual of Omaha
- Aflac
- Standard Life and Casualty
- NCD, underwritten by Metropolitan Life Insurance Company
- Spirit Dental & Vision
- NCD, underwritten by VSP Vision Care
Nothing here replaces your health insurance
These are limited benefit policies. They pay a fixed amount when something specific happens, and they are not major medical coverage, not Medicare, and not Medicare Supplement insurance.
If you hold a comprehensive Medigap policy, some of this would insure a cost you do not have. That is a conversation worth having before a sale, not after one.
Every page here lists who the product is not for, in as much detail as who it is for.
Not sure which of these applies to you?
Tell us how to reach you and what you already have. A licensed agent calls back, usually the same business day.
Medicare help in your state
This coverage sits alongside Medicare rather than replacing any part of it. Each state section has that state's plan structure, 2026 cost figures and enrollment deadlines.
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