What You Need to Know About Ancillary Benefits
What Are Ancillary Benefits?
Ancillary benefits are supplemental insurance plans that work alongside your primary health insurance. They pay cash benefits directly to you (not your doctor or hospital), giving you flexibility to cover things like:
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Deductibles & copays
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Rent or mortgage
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Lost income from missed work
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Travel or hotel costs for treatment
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Childcare or household help
These benefits are not a replacement for health insurance, but they can significantly ease the financial strain during serious health events.
Accident Insurance
Covers you when accidents happen—big or small.
Who needs it?
Anyone can benefit, especially:
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Families with active kids
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Outdoor enthusiasts
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Workers in physical or labor-intensive jobs
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People with high-deductible health plans
Even a minor accident (like a broken arm or sprained ankle) can cost thousands. Accident insurance pays you cash to help manage those surprise expenses.
Critical Illness Insurance
Provides a lump-sum payout if you're diagnosed with a serious illness like Cancer, Heart attack, stroke, organ failure and more
How it helps:
This benefit pays you a lump sum, such as $10,000–$50,000, after diagnosis. You can use it however you need—whether it's:
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Paying for out-of-network specialists
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Traveling for treatment
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Covering lost income
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Paying household bills
Critical illnesses often bring unexpected expenses that go beyond what your health plan covers. This insurance gives you breathing room to focus on recovery.
Hospital Indemnity Insurance
Pays daily or lump-sum benefits if you’re admitted to the hospital.
Who it helps:
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Anyone with a high-deductible health plan
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Individuals expecting a planned hospital stay (like a scheduled surgery or childbirth)
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Older adults more prone to hospitalization
Even with good insurance, a hospital stay can leave you with thousands in bills. This coverage provides a financial cushion.
Why Consider These Benefits?
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Health insurance alone often doesn’t cover everything
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Helps protect your savings and income
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Offers peace of mind during tough situations
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Pays you, not the provider—so you choose how to use the money
