Go Beyond Basic Health Coverage
Your health plan covers the big stuff — but dental bills, vision exams, hospital stays, and critical illness can still cost thousands out of pocket. We help you fill those gaps affordably.
Get Your Ancillary Quote
Dental · Vision · Hospital · Critical Illness · Free · No obligation
Four Ways to Protect What Matters
Each product fills a different gap. Stack them to build a comprehensive safety net at a fraction of full health insurance costs.
Dental Insurance
Routine cleanings, fillings, crowns, and major dental work can cost thousands without coverage. A dental plan keeps your teeth — and your wallet — healthy.
- Preventive care often covered at 100% (cleanings, X-rays)
- Basic restorations: fillings, extractions
- Major work: crowns, bridges, dentures
- Orthodontia options available
- Plans from ~$20–$50/month
Vision Insurance
Eye exams, glasses, and contact lenses add up fast. Vision coverage keeps your eyes checked and your out-of-pocket costs low.
- Annual eye exams covered
- Allowance for frames or contacts
- Discounts on lens upgrades (anti-glare, progressives)
- Large national networks (VSP, EyeMed, more)
- Plans from ~$10–$15/month
Hospital Indemnity
Even with a good health plan, a hospital stay can trigger thousands in deductibles and copays. Hospital indemnity pays you directly — cash you use however you need.
- Fixed daily cash benefit per hospital day
- Pays on top of your existing health insurance
- Covers ICU, surgery, and ER admissions
- No network restrictions — any hospital
- Benefit paid directly to you, not the hospital
Critical Illness Insurance
A cancer diagnosis, heart attack, or stroke doesn't just affect your health — it can wipe out your savings. Critical illness insurance pays a lump-sum cash benefit when you need it most.
- Lump-sum cash payout upon diagnosis
- Covers cancer, heart attack, stroke, kidney failure & more
- Use funds for anything: bills, rent, treatment, travel
- Complements your health plan's coverage
- Benefit amounts from $10,000–$100,000+
Accident Insurance
Accidents don't wait for a convenient time. Accident insurance pays fixed cash benefits for ER visits, fractures, surgery, and more — directly to you, with no waiting period.
- No waiting period — accidents covered from day one
- ER visit benefit per covered accident
- Fracture and dislocation benefits
- Surgery, ambulance, and physical therapy benefits
- Plans under $20/month
Travel Insurance
Trip cancellations, lost luggage, and medical emergencies abroad can cost thousands. Travel insurance protects your trip investment and ensures you get care anywhere in the world.
- Trip cancellation & interruption protection
- Emergency medical coverage worldwide
- Medical evacuation up to $1,000,000
- Lost and delayed baggage reimbursement
- 24/7 worldwide travel assistance hotline
More Coverage, Less Cost
Pairing ancillary products together — or with an ACA or short-term plan — gives you comprehensive protection at a lower total price than buying each separately.
Multi-Product Discounts
Carriers often discount premiums when you bundle two or more ancillary products. Your advisor will find the best combination for your budget.
Close Every Gap
Basic health insurance leaves real holes — dental, vision, and catastrophic illness costs can still devastate your finances. Ancillary plans close those gaps.
One Advisor, Everything
Your WiseHealthPlans advisor handles all your ancillary coverage in one conversation. No shopping around, no confusion — just the right plan mix for you.
Build Your Complete Benefits Package
Mix and match ancillary products alongside your health plan. A licensed advisor will help you find the right combination at the right price.
Common Questions
Quick answers about ancillary coverage.