Supplemental Insurance That Fills the Gaps
Even with Medicare or health insurance in place, there are still areas where traditional plans fall short. That’s where supplemental insurance comes in. These optional policies can provide added protection, peace of mind, and flexibility—especially as your healthcare needs evolve.
At BCI Insured, we’ll help you determine which supplemental policies (if any) make sense for your situation—and explain them in plain English. Our guidance is always free, and there’s never pressure to enroll.
What Is Supplemental Insurance?
Supplemental insurance refers to coverage designed to help with specific needs or out-of-pocket expenses not fully addressed by Medicare or standard health plans.
Some common examples include:
Dental & Vision Insurance
Covers routine checkups, cleanings, eyeglasses, and more.
Cancer, Heart Attack and Stroke Policy
Offers a payout if diagnosed with cancer, stroke, or heart attack.
Disability Insurance
Provides income protection if you become unable to work.
Critical Illness Insurance
Offers a payout if diagnosed with a covered condition.
These are examples only. Every plan is different. We’ll walk you through the options available in your state and explain what’s covered.
Who Needs Supplemental Insurance?
Supplemental insurance can be helpful if you:
Want dental or vision coverage that Medicare doesn’t include
Are concerned about unexpected conditions like cancer or disability
Are seeking more predictable healthcare costs
Want to enhance your Medicare or individual health plan with more complete protection
We’ll help you assess whether it’s worth adding a supplemental plan to your existing coverage—and if so, which type may be the right fit.
How We Help
- Clear Explanations – We break down the benefits of each supplemental option in a way that makes sense.
- Customized Recommendations – We never push a one-size-fits-all plan.
- No-Cost Support – You’ll never pay us a fee for guidance or enrollment help.
- Independent Access to 26+ Carriers – More flexibility and more choices for you.
Dental & Vision Insurance
Routine dental and vision care are not included in Original Medicare. Supplemental plans can help cover:
- Cleanings, x-rays, fillings
- Eye exams, glasses, or contacts
Some Medicare Advantage plans include these services, but others don’t—so having a stand-alone plan may make sense depending on your situation.
Cancer & Critical Illness Insurance
These plans are designed to help reduce the financial stress that can come with a diagnosis. Payouts may be used for:
- Out-of-network treatments
- Travel or lodging expenses
- Everyday bills during recovery
We’ll help you evaluate whether this kind of coverage could provide meaningful peace of mind.
Disability & Hospital Indemnity Insurance
We can also help with:
- Disability coverage that helps protect your income
- Coverage for out-of-pocket expenses related to a hospital stay
These aren’t for everyone—but if they’re important to you, we’ll help you explore the options.
FAQs About Supplemental Insurance
Do I need supplemental insurance if I already have Medicare?
Possibly. Medicare doesn’t cover everything—especially dental, vision, and hearing. We’ll help you assess your needs.
Can I bundle multiple supplemental plans?
Yes, many clients choose more than one type of supplemental coverage. We’ll help you keep it simple and cost-effective.
How do I know which carrier is best?
That’s where we come in. We’ll help you compare plans from multiple carriers so you can make the best decision for your needs.
Explore Supplemental Coverage Options
Let’s Talk About What Gaps You Want to Fill
There’s no right or wrong answer—only what’s right for you. We’ll help you understand your current coverage and explore whether supplemental insurance makes sense for your goals.