Ancillary Products
Ancillary benefits are additional benefits that supplement a primary benefit, such as health insurance. They provide additional coverage for specific healthcare needs or services that may not be included in the primary plan.
Ancillary benefits include:
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Dental insurance
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Vision insurance
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Critical illness insurance
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Disability insurance
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Accident insurance
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Association memberships
Ancillary benefits can be offered by employers, insurance companies, or as part of a healthcare package. They can provide valuable support for employees and individuals by enhancing their overall healthcare coverage and reducing out-of-pocket costs.
Dental Insurance
Dental insurance is a type of insurance policy that helps individuals cover the cost of dental care, including preventative treatments, fillings, and other procedures, by paying a portion of the covered dental costs in exchange for premium payments.
Dental insurance help reduce out-of-pocket expenses associated with dental care, covering a portion of the cost for procedures like:
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Preventive care (cleanings and checkups)
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Fillings
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Extractions
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Root canals
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And potentially other treatments, depending on the plan
Vision Insurance
Vision insurance is a supplemental policy that helps cover the costs of eye exams, glasses, and contact lenses, offering benefits beyond what standard health insurance typically covers.
Vision insurance is a separate policy, distinct from standard health insurance, that focuses specifically on eye care and vision-related costs.
It's often offered as an add-on benefit through employers or purchased individually.
It helps manage the cost of routine eye care, prescription eyewear, and sometimes, specialized treatments or services.
Critical Illness Insurance
No one is exempt from experiencing a serious or sudden illness. According to the Centers for Disease Control and Prevention, more than 795,000 people in the United States have a stroke every year.1 The diagnosis of a critical illness such as stroke, heart attack, or cancer can cause an immediate financial strain on any family.
Health insurance doesn’t always cover 100% of the expenses associated with critical illnesses, leaving individuals with the responsibility to pay the difference or entire cost. Critical illness insurance are insurance policies that help to reduce the weight of the financial burdens resulting from the diagnosis of a serious illness by providing a cash payout to help cover medical and other expenses after diagnosis.
Critical illness insurance policies provide benefits in addition to any existing major medical coverage you already have. In the event of a heart attack, stroke, cancer, or other serious illness the insured can receive a lump-sum cash or specified payment amount to help manage expenses. The choice on how you’d like to use this assistance is yours.
This benefit can assist with covering costs such as:
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Out-of-pocket medical expenses such as co-pays and deductibles that medical insurance may not cover
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Experimental procedures
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Daily living expenses including mortgage or rent payments while you’re recovering
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Transportation expenses, such as traveling to and from treatment facilities, installing in-home ramps, or retrofitting vehicles to carry wheelchairs or scooters
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Other non-medical costs related to the illness
Disability Insurance
Disability insurance replaces a portion of your income when you can no longer work due to a disabling illness or injury. A short-term disability policy covers temporary disabilities. Long-term disability (LTD) policies cover disabilities that are expected to be permanent. LTD policies have many options such as cost of living increases (COLA), partial disability riders, “own occ” definitions of disability, and premium waivers. Let us help you explore the type of policy that protects your income. Disability insurance protects you from the financial risk of losing your income when you become disabled and can’t work.
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Choose a policy that pays for temporary or permanent disability
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Select a policy that pays if you become disabled for your own occupation or any occupation
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Add a COLA to your policy to sustain your standard of living
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Add a partial disability rider to continue benefits if you can return to work part-time
Types of Disability Coverage
Short-Term Disability
Short-term disability insurance provides income replacement if an illness or injury prevents you from working for a period, typically for a few months, while long-term disability insurance is designed for longer-term disabilities.
Long-Term Disability
Long-term disability insurance provides income replacement if an illness or injury prevents you from working for an extended period, often for more than 90 days, and can continue for years.
Accident Insurance
Accidents happen — often when you least expect them. 87% of emergency department visits are due to an injury. Most Americans do not have emergency funds set aside to cover the your health insurance deductible or additional out-of-pocket responsibilities. In fact, according to Bankrate's annual emergency savings survey, 22% of U.S. adults claim they have no emergency savings and 57% aren't comfortable with what they have for emergency savings.
When those extra expenses start adding up, they can lead to financial strain. With accident insurance, the cash benefit payout can help you pay for these expenses. Accident insurance is a supplemental insurance policy that helps cover out-of-pocket costs after an accident. It's usually purchased in addition to a primary health insurance plan.
What does accident insurance cover?
Hospital stays, medical exams, emergency treatments, transportation, lodging, ambulance care, physical therapy, lost wages, and much more.
How does accident insurance work?
Accident insurance pays out cash benefits to help cover expenses.
It can help fill the gap between what your health insurance covers and what it doesn't.
It can help provide peace of mind when unexpected injury costs arise.
National Consumers Benefit Association
Do you want to enhance your business, enrich your everyday life, or fortify your health and well-being? National Consumers Benefits Association helps you achieve your dreams with unmatched discounts and invaluable services and resources. Become part of a strong network designed to save you money and boost your quality of life.
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Giving The Best Savings For You And Your Business
Access to over 300 generic FREE prescriptions
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Aetna Dental Discount Access
$100,000 AD&D Benefit
$10,000 Accident Expense Benefit
$10,000 Term Life Insurance Benefit
Access to 100 FREE select covered blood tests
24-Hour Nurse Helpline
Mental Health Hotline
Diagnostic testing discounts
