Other Insurance Types

Vision Insurance

Not all health insurance providers automatically care for the needs of the eyes such as optometrist visits, glasses, contact lenses or optical surgeries, though standard health insurance plans will cover eye treatments as a part of overall accident coverage. If you have need of or desire regular eye care maintenance, ask your insurer if they offer eye care as a rider on your policy.

Specialty Insurance

Certain insurance providers and plans function only in the case of very specific emergencies or issues such as contracting Cancer. These plans have extremely low premiums and variable deductibles that offer coverage for all expenses related to an event like cancer in your life and include hospitalization, recuperative care and, if necessary hospice care as well. These plans are often added to a regular health insurance plan just in case the regular coverage limits are ever reached in the event of an emergency.

Short-Term Disability

Once you've chosen your health insurance plan, you know you're covered in case you're sick or ever in an accident - but what if an accident or illness takes you away from your job, what then? Sure your hospitalization is covered, but how will you pay your mortgage or rent? What about food and your car payments? This is where short-term disability insurance may help protect you. Short-term disability insurance is available through many providers to provide a source of supplemental income in the event that you are forced to stop working due to an injury or illness. The amount provided varies based on the plan you choose and your current income level. Ask your health insurance provider if they offer short-term disability plans either separately or as a rider to your health insurance policy.

Dental Insurance

Like vision insurance, regular coverage for your teeth specifically is not spelled out in most health insurance plans but requires a separate plan or rider on your policy. These plans would include coverage for dental visits, orthodontics, and dental surgery that are needed, not as a result of a major medical accident or injury.

Now that you know about the different insurance types you can have a better idea of what you are looking for. If you are still confused and have questions, you can find answers to some of our frequently asked questions that might help with any concerns you might have.