The Different Types of Ancillary Health Insurance

Different Types of Ancillary Health Insurance

Ancillary health insurance is coverage that can help you get through a rough patch financially if you suffer from a medical condition or injury that creates expensive secondary expenses. Unlike primary healthcare, which focuses on preventing illness and managing chronic conditions, ancillary health insurance helps you deal with the consequences of those things going wrong. Ancillary health insurance policies are designed to be secondary to your primary healthcare plan, but they are still an essential part of your long-term financial planning.

Ancillary health insurance can provide a number of services and benefits when specific medical circumstances arise and cost you money as a result. The right policy can protect you against these costs, so you don’t have to worry about them becoming unaffordable. There are several different types of ancillary health insurance policies; below we take a look at some examples of each one:

The Different Types of Ancillary Health Insurance

Ancillary health insurance plans are designed to cover additional healthcare expenses that are not covered by a primary insurance plan. Ancillary healthcare coverage is usually secondary to a primary medical plan and does not replace it as the primary healthcare policy. Ancillary health insurance helps fill in any gaps left by your primary medical plan so you are able to receive the care you need at an affordable cost. Ancillary health insurance is also referred to as supplemental or secondary healthcare coverage. It provides additional benefits, such as dental, vision, hospital indemnity, and wellness services, that aren’t typically included in standard medical plans. Depending on your unique needs and situation, there are several different types of ancillary health insurance policies available:

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Dental insurance

If you have dental insurance, then you know the importance of oral health. Dental insurance is a type of ancillary health coverage that helps pay for preventive dental care and treatment. Dental insurance may also cover: Healthy teeth play a key role in your overall health and well-being. Your teeth help you eat, speak, and smile with confidence.

They also strengthen your bones and teeth. Dental insurance is meant to bridge the gap between the cost of routine dental care and what your dental plan will cover. It will help with the costs of basic dental services, like checkups, X-rays, and cleanings, but not orthodontics or other restorative procedures. Dental insurance plans generally cover preventative care, such as cleanings and X-rays, as well as diagnostic and restorative services, such as fillings, crowns, and root canals. Benefits vary between plans.

Vision insurance

If you have vision insurance, then your eyesight is important to you. Vision insurance is a type of ancillary health coverage that helps pay for eye exams and corrective eye care. Eye glasses or contacts are not usually covered by medical insurance. Vision insurance helps fill in the gaps when it comes to paying for eye care. Vision insurance plans generally cover eye exams (either every one or two years), corrective eye care, and perhaps contact lenses, although some plans may include a small allowance for eye glasses. Vision insurance is meant to cover the costs of basic or routine eye care, like eye exams and corrective lenses, but not corrective eye surgery.

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Hospital indemnity insurance

If you have hospital indemnity insurance, then you know the importance of good healthcare. Hospital indemnity insurance is a type of ancillary health coverage that helps pay for additional hospital expenses. Hospital indemnity insurance is meant to bridge the gap between what the hospital charges and what your primary insurance plan covers. Hospital indemnity insurance policies generally cover the cost of additional services and supplies not covered by your primary plan, such as lab tests and prescription medications. The amount and type of coverage varies by policy.

Wellness care coverage

If you have wellness care coverage, then you want to stay healthy. Wellness care coverage is a type of ancillary health coverage that helps pay for preventive care and treatment related to your health and wellness. Wellness care coverage is not meant to be a substitute for medical or dental insurance. It is meant to provide you with additional benefits and services that your primary plan may not cover. Wellness care coverage may cover services like dietitian consultations, physical examinations, disease screenings, and prescription medication. Wellness care coverage varies between plans and may include services such as preventative care and screenings, coaching, and more.

A Final Word

Health insurance is designed to help protect you from injury and illness by paying your medical bills and covering the cost of necessary healthcare. While some health insurance plans are more comprehensive than others, many do not cover all of your healthcare needs. Ancillary health insurance helps to fill in any gaps left by your primary medical plan so you are able to receive the care you need at an affordable cost.

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