Coverage add-ons
Supplemental coverage options beyond Medicare
Original Medicare leaves some routine dental, vision and hearing services uncovered, and Medicare Advantage extras differ by plan. Separate policies may help with those gaps, hospital costs, cancer-related expenses or short-term care at home. These are not Medigap plans, and policy terms vary.
Compare the choices
Coverage gaps to compare
CSG’s licensed Arizona agents serve clients by phone across the state, including Phoenix, Kingman and Sierra Vista, from the Tempe office. Start with what your current coverage already includes, then compare only the remaining gaps that matter to your health and budget.
Every option is explained in full below.
Dental insurance
Dental insurance helps cover the cost of routine and preventive dental care, such as cleanings, exams and X-rays, which are essential for maintaining oral health. Many plans also provide coverage for more comprehensive services like fillings, crowns, root canals and, in some cases, dentures. Having dental coverage can reduce out-of-pocket expenses and encourage regular dental visits to prevent more serious issues down the road.
Vision insurance
Vision insurance is designed to help cover the cost of eye care, including routine eye exams to monitor vision and overall eye health. Benefits often include allowances or discounts for prescription glasses, contact lenses and frames. Regular eye exams can also help detect early signs of health conditions such as diabetes or high blood pressure.
Hearing insurance
Hearing insurance helps offset the cost of hearing care, including hearing exams, audiologist visits and hearing aids. Because hearing aids and related services can be expensive and are not always fully covered by traditional health insurance, this coverage can make hearing care more accessible and affordable, improving quality of life and communication.
Hospital indemnity insurance
Hospital indemnity insurance provides cash benefits paid directly to you if you are hospitalized due to illness or injury. These payments can be used however you choose, such as covering deductibles, copays, transportation, lost income or household bills. This type of coverage is designed to supplement existing health insurance and help manage unexpected hospital-related expenses.
Cancer insurance
Cancer insurance is a supplemental policy that provides financial support in the event of a cancer diagnosis. Benefits may help cover expenses such as treatments, medications, travel to specialists, lodging or everyday living costs. Since cancer treatments can result in significant out-of-pocket expenses even with health insurance, this coverage can help reduce financial stress during a difficult time.
Short-term home health care insurance
Short-term home health care coverage helps pay for care received in your home following a serious illness, injury or surgery. This may include skilled nursing care, physical therapy or assistance with daily activities during recovery. It allows individuals to heal in the comfort of their own home rather than in a facility, while still receiving necessary care.
Looking for life insurance, final expense coverage, long-term care or annuity options? Visit our life and long-term care page.
Why it matters here
Why separate coverage may matter
Medicare covers many hospital and medical services, but it does not cover every need. Before adding another policy, compare its limits with the coverage you already have:
- Original Medicare generally does not cover routine dental care, eye exams for glasses or hearing aids, although some related medically necessary services are covered
- Medicare Advantage dental, vision and hearing benefits vary by plan, with their own limits and provider rules
- Hospital indemnity and cancer policies are separate insurance products with their own eligibility rules, benefit triggers and limits
- Short-term home health care policies vary in what care qualifies, how long benefits last and what the policy will pay
Our licensed agents help Arizona seniors review these questions in one conversation. Start with what your Medicare plan already covers, then identify what is genuinely left.
Coverage beyond Medicare questions
- What does Medicare not cover?
- Original Medicare generally does not cover routine dental care, eye exams for glasses, hearing aids or long-term custodial care. It may cover certain medically necessary services in limited circumstances, so check the specific service before buying separate coverage.
- Do I need optional riders if I have a Medicare Advantage plan?
- It depends on the plan. Many Medicare Advantage plans include some dental, vision and hearing benefits, but the allowances vary widely between plans and carriers. A licensed agent can compare what your specific plan already covers before you add anything.
- Are these policies the same as Medicare Supplement insurance?
- No. Medicare Supplement insurance, also called Medigap, helps with certain out-of-pocket costs for services covered by Original Medicare. The separate policies on this page address different needs and have their own terms, exclusions, eligibility rules and premiums.
- What does it cost to have CSG review my supplemental coverage?
- CSG does not charge a separate fee for its help. Policy premiums and other coverage costs still apply, and benefits vary by policy.
Not sure which optional coverage is right for you?
A licensed Arizona agent can review your current benefits by phone and explain options available where you live. CSG charges no separate fee for its help; policy premiums and other costs still apply.
Or explore our Medicare FAQs and latest articles.