Supplemental Insurance
Dental, vision, and hospital indemnity coverage that can complement your Medicare plan.
Original Medicare and many Medicare Advantage plans leave gaps in dental, vision, and hospital coverage. Standalone supplemental policies can help fill those gaps so an unexpected event has less of an impact on your budget.
Common supplemental options we help with
- Dental — preventive cleanings, fillings, crowns, and other dental services.
- Vision — annual eye exams, frames, lenses, and contact lens allowances.
- Hospital indemnity — pays a fixed cash benefit if you are admitted to the hospital, which can help offset Medicare Advantage hospital copays.
Health Insurance Options LLC can compare the supplemental products we represent and help you decide whether they make sense alongside your Medicare coverage. Carrier and product availability may vary by county.
Supplemental Insurance FAQ
What counts as supplemental insurance?
On this page we use ‘supplemental insurance’ to mean ancillary products that complement Medicare — primarily standalone dental, vision, and hospital indemnity coverage. (Medicare Supplement / Medigap is a separate Medicare-specific product covered on its own page.)
Do I need supplemental insurance if I already have Medicare Advantage?
Some Medicare Advantage plans include limited dental, vision, or hearing benefits. Standalone supplemental policies can fill gaps when those embedded benefits are limited. We can review what your current plan covers and help you decide whether additional coverage is worth it for your situation.
Can I add supplemental coverage at any time of year?
In most cases, dental, vision, and hospital indemnity products can be enrolled in year-round, subject to the carrier’s underwriting and effective-date rules. A licensed insurance professional can walk you through what is available.
Ready to Compare Your Medicare Options?
Speak with a licensed insurance professional in Spokane — no cost, no obligation.
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