More than health insurance

How these fit around a health plan

A health plan pays your doctors and hospitals. Nothing on this page replaces it. Each product here does a job the health plan doesn’t, so the right question is which of those jobs you need done.

Hospital indemnity, accident and critical illness insurance pay cash to you, not to the hospital, when a covered event happens. People use that money for a high deductible, rent or travel to treatment. They are not health insurance coverage. Dental insurance is worth comparing against what you would spend on cleanings and fillings anyway, because waiting periods can delay the bigger work.

Life insurance protects the people who depend on your income: term vs whole life explains the trade-off between a lower price for a set number of years and coverage that lasts. An annuity turns savings into retirement income. Travel medical insurance covers you on trips abroad, and family visiting from abroad, who usually have no US health coverage. The Rx savings card is a discount card, not insurance.

Tell us what your health plan already covers, and a licensed advisor will tell you which of these, if any, is worth paying for.