Health, Vision, and/or Dental Insurance

Health insurance covers medical expenses, vision insurance covers eye care, and dental insurance covers dental procedures. They are separate policies that address different aspects of your healthcare needs.

Many health insurance plans offer the option to add vision and dental coverage as riders or separate policies. It's important to compare costs and coverage to determine the best option for your needs.

Supplemental Insurance

Supplemental insurance provides extra coverage for specific situations, such as critical illness, accidents, or hospitalization. It can help fill gaps in your primary health insurance and provide financial support during unexpected events.

No, supplemental insurance is designed to complement your primary health insurance. It doesn't provide the same comprehensive coverage as primary health insurance but offers additional benefits for specific scenarios.

Small Group Insurance

Small group insurance is typically offered to businesses with a limited number of employees. Eligibility criteria vary by insurance provider and may be based on the number of employees and other factors.

Small group insurance can be cost-effective for employers, as they can often negotiate better rates. Employees benefit from group rates, often have a choice of plans, and may have their premiums partially covered by their employer.


Medicare is a federal health insurance program for individuals aged 65 and older, as well as some younger individuals with certain disabilities. You become eligible for Medicare typically at age 65, but eligibility can vary based on specific circumstances.

Medicare consists of four parts: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). Each part covers different aspects of healthcare, and you can choose the parts that suit your needs.

Critical Illness Insurance

Critical illness insurance provides a lump-sum payment if you are diagnosed with a covered critical illness, such as cancer or heart disease. The funds can be used to cover medical expenses, bills, or other financial needs during your illness.

No, critical illness insurance is supplemental and pays out a lump sum upon diagnosis of a specific critical illness. It doesn't cover routine medical expenses, doctor visits, or hospital stays like health insurance does.

Life Insurance

Life insurance is a financial safety net that provides a death benefit to your beneficiaries upon your passing. It can help replace lost income, cover debts, and ensure financial security for your loved ones.

The two primary types of life insurance are term life insurance and whole life insurance. Term life provides coverage for a specific term (e.g., 20 years), while whole life provides coverage for your entire life and includes a cash value component. The choice depends on your needs and budget.

Remember that insurance policies can vary significantly, so it's essential to read the policy terms and consult
with an insurance professional to understand the specifics of your coverage.