Ancillary Benefits to Complement
Your Health Coverage
Accident • Critical Illness • Dental • Disability • Hospital Indemnity • Vision
Comprehensive Protection Beyond Your Health Plan
Even with good health insurance, unexpected medical events can leave you facing significant out-of-pocket expenses. Ancillary benefits, also called supplemental benefits, are designed to help fill those gaps and provide additional financial protection for you and your family.
At Polaris Insurance Solutions, we help individuals, families, and employers build more complete benefits packages by adding the right mix of ancillary coverage. These plans work alongside your primary health insurance to help reduce financial exposure during accidents, illnesses, hospitalizations, and routine healthcare needs.
Our advisors take the time to understand your specific situation and recommend supplemental coverage that aligns with your healthcare needs, financial goals, and budget.
We Help Clients Explore and Enroll In:
- Accident Insurance
- Critical Illness Insurance
- Dental Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Vision Insurance
Ancillary Benefit Plans We Offer
Each plan is designed to complement your primary health insurance and help reduce out-of-pocket expenses when unexpected healthcare costs arise.
Accident Insurance
Provides a cash benefit when you experience a covered accidental injury, helping offset medical costs and everyday expenses that can arise unexpectedly.
Common Coverage Includes:
- Emergency room and urgent care visits
- Ambulance transportation
- Hospitalization due to injuries
- Fractures, dislocations, and burns
- Follow-up care and physical therapy
Critical Illness Insurance
Provides a lump-sum cash benefit upon diagnosis of a covered serious illness, giving you the flexibility to cover medical bills, household expenses, or lost income.
Common Coverage Includes:
- Heart attack
- Stroke
- Cancer diagnoses
- Kidney failure
- Major organ transplant
- Coronary bypass surgery
Dental Insurance
Affordable coverage for preventive, basic, and major dental services that help protect both your oral health and overall wellbeing.
Common Coverage Includes:
- Routine cleanings and exams
- X-rays and diagnostics
- Fillings and extractions
- Root canals and crowns
- Orthodontia (on select plans)
Disability Insurance
Replaces a portion of your income if you become unable to work due to a covered illness or injury, helping you meet everyday expenses while you recover.
Common Coverage Includes:
- Short-term disability benefits
- Long-term disability benefits
- Partial income replacement
- Off-the-job accidents and illnesses
- Return-to-work and rehabilitation support
Hospital Indemnity Insurance
Provides cash benefits when you are hospitalized, helping offset costs that your primary health insurance may not fully cover.
Common Coverage Includes:
- Daily hospital confinement benefits
- ICU and CCU stays
- Surgical procedures
- Maternity and newborn care
- Ambulance services
Vision Insurance
Affordable vision coverage that helps reduce the cost of routine eye care, prescription eyewear, and vision correction needs.
Common Coverage Includes:
- Annual eye exams
- Prescription glasses and frames
- Contact lenses
- Lens upgrades and coatings
- Retinal imaging (on select plans)
Protect Your Finances from Unexpected Health Costs
A standard health insurance plan is essential, but it rarely covers every expense. Deductibles, copays, coinsurance, and out-of-network costs can add up quickly, especially during a serious illness, accident, or hospital stay.
Ancillary benefits provide an additional layer of protection that help bridge those financial gaps. When an unexpected health event occurs, supplemental coverage can provide the flexibility and peace of mind needed to focus on recovery instead of worrying about bills.
Ancillary Benefits Can Help You:
- Cover deductibles and out-of-pocket maximums
- Replace lost income during recovery
- Pay for non-medical expenses such as rent, groceries, and utilities
- Access routine dental and vision care affordably
- Create a stronger employee benefits package
- Supplement Medicare or marketplace coverage
Why Choose Polaris for Your Ancillary Benefits?
With so many supplemental insurance options available, having an independent advisor on your side can make all the difference. Polaris Insurance Solutions helps you understand your options and select coverage that truly fits your needs.
Clients Choose Polaris For:
- Independent guidance focused on your best interests
- Access to multiple top-rated insurance carriers
- Personalized recommendations based on your situation
- Coverage solutions for individuals, families, and employer groups
- Clear explanations of benefits and coverage details
- Dedicated responsive service team
- A family-owned, relationship-focused approach
Our services come at no additional cost to you. We are compensated by insurance carriers, allowing you to receive expert advice and personalized guidance without paying extra fees.
Frequently Asked Questions
What are ancillary benefits?
Ancillary benefits, also called supplemental benefits, are insurance products that work alongside your primary health insurance to provide additional financial protection. These plans often pay cash benefits directly to you, allowing you to use the funds however you need—whether for medical bills, household expenses, transportation costs, or lost income during recovery.
Can I purchase ancillary benefits without a primary health plan?
In most cases, yes. Dental, vision, accident, disability, and critical illness plans can often be purchased as standalone coverage independent of a primary health insurance plan. Our advisors can walk you through the specific eligibility requirements for each plan type.
Are ancillary benefits the same as supplemental insurance?
The terms are often used interchangeably. Both refer to coverage that supplements your primary health insurance. Supplemental insurance typically includes accident, critical illness, disability, and hospital indemnity plans. Ancillary benefits is a broader term that also encompasses dental and vision coverage.
Can I add ancillary benefits outside of open enrollment?
Yes. Accident, critical illness, disability, and some dental and vision plans can be purchased at any time, not just during open enrollment.
Does Polaris help with both individual and employer-sponsored ancillary benefits?
Yes. We work with individuals looking to supplement their personal health coverage, as well as employers who want to add ancillary benefits to their group benefits package. Our advisors help identify the right carriers and plans for both situations.
Explore Ancillary Benefits Today
Speak with a Polaris advisor to find ancillary benefit plans that fit your needs and budget — at no cost to you.