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Ancillary Health Products
O'Brien Senior Benefits specializes in providing healthcare solutions to individuals, including a range of ancillary health products, such as dental and vision insurance, hospital indemnity insurance, critical illness insurance, and extended care insurance.
These products are designed to fill the gaps in health insurance plans and protect from high out-of-pocket costs associated with unexpected medical events.
Ancillary health products help people maintain their health and quality of life and provide peace of mind, knowing they are protected from unexpected healthcare costs.
Ancillary Health Programs
with O'Brien Senior Benefits
Why Add Ancillary Products to Your Planning?
Adding ancillary products to your planning can provide several benefits. Here are some of the reasons why you might want to consider adding ancillary products to your planning:
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Fill coverage gaps: Ancillary products can help fill coverage gaps that traditional health insurance plans may not cover. This can help ensure that you have comprehensive coverage for all of your healthcare needs.
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Protection against unexpected costs: Ancillary products can help cover unexpected healthcare costs. For example, critical illness insurance can provide a lump-sum payment in the event of a serious illness diagnosis, helping to cover expenses that may not be covered by your traditional health insurance plan.
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Improved health outcomes: Ancillary products can also help improve your health outcomes by providing access to preventative care services such as dental, vision, and hearing exams. These services help detect and address health issues early on, preventing them from becoming more serious and costly down the line.
Dental and Vision Insurance
Adding standalone dental and vision insurance to your healthcare planning can provide several benefits. Here are some reasons why you might want to consider adding a dental or vision plan:
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Comprehensive coverage: Standalone dental and vision insurance can provide comprehensive coverage for these essential healthcare services. Dental and vision exams are not typically covered by standard health insurance plans, and adding standalone coverage can ensure that you have access to these services.
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Preventative care: Regular dental and vision exams are important for maintaining good health and preventing more serious health issues down the line. Adding standalone coverage can give you access to these preventive care services, helping you stay healthy and catch issues early.
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Cost savings: Standalone dental and vision insurance can also help you save money on these services. By having insurance coverage, you can reduce your out-of-pocket costs for routine exams, cleanings, and eyewear.
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Flexibility: Standalone dental and vision insurance plans are typically flexible and customizable, allowing you to choose the coverage levels and services that best meet your needs. This can help you tailor your healthcare planning to your unique situation.
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Hospital Indemnity Plan
Adding hospital indemnity insurance to your healthcare planning can provide several benefits. Here are some reasons why you might want to consider adding this product:
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Financial protection: Hospital indemnity insurance provides coverage for the high costs of hospital stays. This product pays a fixed benefit for each day you are hospitalized, helping cover expenses that may not be covered by your standard health insurance plan.
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Flexibility: Hospital indemnity insurance is typically flexible and customizable, allowing you to choose the coverage level and benefits that best meet your needs. This can help you tailor your healthcare planning to your unique situation.
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Additional coverage: Hospital indemnity insurance provides additional coverage beyond your standard health insurance plan. This can help ensure that you have comprehensive coverage for all of your healthcare needs. These plans also allow you to add riders to cover ambulance costs.
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Peace of mind: Knowing you have financial protection in the event of a hospital stay can ease your mind and your family's. Hospital stays can be expensive and stressful, and having insurance coverage can help alleviate some of that stress.
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Critical Illness: Cancer/Heart Attack/Stroke
Adding critical illness insurance to your healthcare planning can provide several benefits. Here are some reasons why you might want to consider adding this product:
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Direct payment: The cash benefits from your policy are paid directly to you upon the diagnosis of cancer or if you suffer a heart attack or stroke, regardless of any other health care coverage you may have. Typically, the benefit is paid to you as a lump-sum payment. This can help cover expenses that may not be covered by your standard health insurance plan, such as deductibles, copayments, or non-medical expenses like mortgage or rent payments.
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Focus on recovery: The funds provided by critical illness insurance can help you and your family focus on recovery rather than financial stress. Serious illnesses like cancer, heart attack, and stroke can be emotionally and physically draining, and having financial support can alleviate some of that burden.
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Flexible benefit amounts: Benefit amounts are flexible and can range up to $75,000 for cancer and $75,000 for heart attack and stroke, depending on your specific needs. This flexibility can help you tailor your coverage to your unique situation.
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Extended Care - Short/Long Term Care
Adding extended care insurance to your healthcare planning can provide several benefits. Here are some reasons why you might want to consider adding this product:
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Financial protection: Long-term care services can be expensive and are often not covered by standard health insurance plans. Extended care insurance provides financial protection against these costs, which can be a significant burden on individuals and families. The insurance can help cover the costs of services like nursing home care, home health care, and assisted living facilities.
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Flexibility: Extended care insurance policies are typically flexible and customizable. You can choose the coverage level and benefits that best meet your needs and budget. This allows you to tailor your healthcare planning to your unique situation.
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Long-term planning: Extended care insurance is designed to help you plan for the possibility of needing long-term care services. This is especially important for aging individuals and those with chronic illnesses who may require ongoing care. Having long-term care insurance can help you and your family financially and emotionally prepare for the future.
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Peace of mind: Knowing you have financial protection in the event you need long-term care services can provide you and your family with peace of mind. Long-term care can be stressful and emotionally draining, and having insurance coverage can help alleviate some of that stress.
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Access to additional resources: Many extended care insurance policies offer access to care coordination, caregiver support, and eldercare services. These resources can help you and your family manage your care more effectively and make informed decisions about your long-term care needs.
I offer free, no-obligation consultations in the following areas:
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Medicare Review and Enrollment in Medicare Health Plans
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Ancillary Benefits Review and Enrollment
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Working Over Age 65 and Medicare Options
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Specialized Ancillary Products to Fill in Coverage Gaps
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Life Insurance and Fixed Annuities
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Developing a comprehensive insurance plan, General Questions or Request for an Insurance Review
Let's Work Together
Get in touch so we can explore your options!
Terri O'Brien
Your Local
Medicare Advisor
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