Ancillary Insurance

Enhance Your Healthcare Protection with Supplemental Benefits

Health and life insurance form the foundation of your financial protection—but they don’t cover everything. That’s where ancillary insurance plans come in. These supplemental options are designed to fill the gaps in your coverage, offering additional benefits that support your overall well-being.



At A.M.Smith Agency, we help you explore, compare, and choose the right ancillary coverage based on your lifestyle, medical needs, and financial goals. Whether it’s dental, vision, or accident insurance, we’ll help you build a more complete protection plan.

The word insurance is on a piece of paper

What Is Ancillary Insurance?

Ancillary insurance refers to add-on plans that cover services not included in Original Medicare or many standard health insurance policies. These plans help reduce your out-of-pocket expenses and offer valuable support in unexpected situations.

Common ancillary insurance products include:


  • Dental Insurance – Routine cleanings, x-rays, crowns, and dentures
  • Vision Insurance – Eye exams, glasses, contact lenses, and corrective procedures
  • Hearing Coverage – Hearing tests and hearing aids
  • Hospital Indemnity – Daily payments for hospital stays and recovery support
  • Critical Illness Insurance – Lump sum payouts for conditions like heart attack, stroke, or cancer
    Accident Insurance – Coverage for emergency treatment, hospitalization, and recovery after accidental injury

Why Consider Ancillary Insurance Plans?

Even with Medicare or private health insurance, many clients find themselves paying out of pocket for everyday health needs or unexpected medical events. Ancillary plans provide:


  • Financial protection for uncovered services
    Access to routine care for dental, vision, and hearing
  • Supplemental payouts for unexpected illnesses or injuries
  • Customizable options to meet your budget and coverage needs

If you value convenience, preventive care, and security, ancillary insurance is a smart addition to your health plan.



An insurance policy is sitting on a table next to a calculator and glasses.

Our Role as Your Licensed Agent

At A.M.Smith Agency, we take a consultative approach. We’ll evaluate your current coverage, identify gaps, and recommend ancillary insurance plans that add real value.

Our services include:


  • Side-by-side plan comparisons
  • Explanation of coverage limits and exclusions
  • Enrollment support
  • Claims and renewal assistance
  • Year-round plan reviews to ensure continued coverage alignment

We’re licensed in Michigan and Ohio and work with trusted providers who specialize in affordable health insurance enhancements.

FAQs About Ancillary Insurance

  • Do I need ancillary insurance if I have Medicare?

    Yes. Medicare doesn’t cover routine dental, vision, or hearing care. Ancillary plans can fill those gaps and help with out-of-pocket costs.

  • Are ancillary plans expensive?

    Most ancillary plans are affordable and flexible, with monthly premiums that fit a variety of budgets. You can choose stand-alone coverage or bundle services.

  • Can I enroll any time?

    In most cases, yes. Ancillary plans don’t follow the same strict enrollment windows as Medicare. We’ll help you determine the right time to enroll.


  • What if I only want dental or vision?

    That’s fine. We offer stand-alone plans for dental, vision, hearing, and more—choose what’s relevant to you.


Request a Free Consultation

Let’s review your current coverage and see how ancillary insurance can enhance your peace of mind.


  • Are you looking to cover routine dental and vision care?
  • Do you want protection in case of serious illness or unexpected accidents?
  • Not sure what’s missing from your current plan?

We’ll help you fill the gaps.