Dental, Vision, Disability Insurance

See Options for Your Supplemental Insurance

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Dental options are available that can be added to a health coverage plan or sold separately. These dental options range from extremely affordable dental discount plans with no waiting periods and no annual maximums to full PPO dental plans that include preventative checks and nationwide provider networks. Your dental plan can be tailored to meet your specific coverage and budget needs.

Find out which plans are right for you.


Vision insurance serves to cover a portion of the cost for eye care and eyewear. Commonly covered services and products include eye exams, eyeglass frames, and lenses. Depending on your type of plan, more or less of these services’ and products’ costs will be covered. Most vision insurance plan are structured the same as healthcare plans. There is a monthly premium, then either you will pay a fixed dollar amount for services, or the insurance company will pay a percentage of the cost.

Physicians recommend having a comprehensive eye exam every 5-10 years for healthy adults. All other age groups are advised to get checked out at least once a year. A comprehensive eye exam is more than reading the pyramid of letters on the poster – it can include color vision testing, glaucoma screening, vision field testing, and a retinal examination. This is why it is important to see an eye specialist and not rely on your general practitioner for your eye health. Vision insurance can help you cover the cost. See which plans are suitable for you.

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Short Term Disability Insurance

Short Term Disability insurance provides supplemental income for a covered injury. Unlike dental and vision insurance, which anyone can and should have, disability plans are underwritten and must be attached to a base health coverage plan.

These plans can be designed for a period of not more than 12 months and generally begin 14-30 days after the accident.

Critical Illness Benefits

These benefits can provide a one-time cash benefit to help you cover critical expenses if you are diagnosed with a life-threatening critical illness like cancer, stroke, or heart attack. This money is yours to do with as you please. Pay bills or out of the pocket expenses or help close the income gap while you’re recovering. These amounts can be as little as $10,000 up to nearly $100,000.

Very helpful! A true blessing. Trying to find health coverage for my large family has been very frustrating and I needed help navigating through the confusion and Earl has been patient, friendly and non judgmental. A great experience so far.
Lora Ladd