These benefits get you the most out of your insurance and potentially reduce your out-of-pocket expenses before you make any payments, offer perks beyond primary health insurance, potentially making them appealing for anyone to add to their already existing health insurance coverage.
A safety net, reducing out-of-pocket costs for deductibles, copays, and medical bills.
Maximize your primary medical plan, filling gaps and lowering overall healthcare costs.
You can customize your coverage to address your individual health needs and budget.
Discounts for prescriptions can help, but when you have a regular prescription that needs refilling on an ongoing basis, insured coverage may be what is needed.
Save having to drive to see the doctor by using a virtual, U.S-based, board-certified doctor to review your symptoms through the convenience of a video or phone consultation.
Find lower cost, highly-rated providers near you by using a patient advocacy service ahead of your appointment. Advocates also review your bill afterward to ensure you aren’t being charged too much.
When your doctor calls for lab work or an X-ray, use a discounted service that is conveniently located and will work with your provider on the results.
Alternative medicine, like visiting a chiropractor or nutritionist, or fitness and massage might be part of your overall health needs, so finding a discounted network can help you save time and money.
If you don’t have dental or vision insurance, these discount programs provide access to affordable care. Enjoy significant savings on routine check-ups, glasses, contacts, and other dental and vision services.
These benefits offer additional perks beyond primary health insurance, potentially saving money in various situations, making them appealing for anyone to add to their existing coverage.
If you have a high-deductible health plan (HDHP) or copays, ancillary benefits can significantly reduce your out-of-pocket expenses. They can help bridge the gap between what your primary plan covers and what you’re responsible for.
Some benefits offer resources or support services to help you navigate the healthcare system and potentially find better rates on medical procedures. This can be valuable, especially for complex medical situations.
Offering ancillary benefits is a powerful tool for businesses that want to stand out in a competitive job market. By providing additional coverage like dental, vision, life, and disability insurance, employers show they are invested in the well-being of their employees.
retail prescriptions were filled in the U.S. in 2023.
of adults used telehealth in the last 12 months.
Americans visited a chiropractor in the last five years.
conventional radiology procedures performed in 2022.
*According to the Centers for Disease Control, American College of Radiology, Gallup, Statista
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This is a common question, and the answer depends on your individual situation. These types of benefits offer coverage that goes beyond your primary health insurance plan, filling in gaps, making that plan work better for you and potentially saving you money. However, these benefits also have a monthly cost. Let’s explore why these benefits might be worth it:
If you’re generally healthy and have a low risk of needing medical care, you might not need them. However, if you have a chronic condition or are concerned about unexpected expenses, they can provide valuable protection.
Review your existing plan’s coverage for deductibles, copays, and covered services. Ancillary benefits can fill the gaps if your primary health insurance plan doesn’t cover everything.
Consider the cost of premiums for ancillary benefits and weigh it against the potential savings they could offer.
For businesses, the value of ancillary benefits goes beyond just personal coverage—it can be a critical factor in attracting and retaining top talent. Employees often view benefits packages as a significant part of their overall compensation.
Ancillary Benefits complement your insurance plan by helping you find lower cost providers, discounted services, alternative medicine and more, which can reduce your out-of-pocket spend.
The cost of Ancillary Benefits will vary depending on the type of benefit you choose, your age, health status, and other factors. We can help you find a plan that fits your budget.
Our licensed agents can help you assess your individual needs and recommend the right Ancillary Benefits plan for you. Contact us today for a free consultation!
Some Ancillary Benefits plans have open enrollment periods, while others may allow you to enroll year-round. We can help you determine the enrollment process for the specific plan you’re interested in.
Yes! While many Ancillary Benefits are offered through employers, you can also purchase them individually. Our agency can help you find plans available for the self-employed.