Beyond Basic Medicare
Original Medicare doesn’t cover everything. That’s why many people add extra protection with plans like DVH (Dental, Vision, Hearing) and CHAS (Cancer, Heart Attack, and Stroke). DVH helps cover everyday care needs like checkups, glasses, and hearing aids. CHAS provides a cash payout if you're diagnosed with a serious illness—so you can focus on recovery, not expenses. These plans add peace of mind and fill critical coverage gaps.
Dental, Vision and Hearing
DVH plans are supplemental insurance products that fill a key gap in Original Medicare, which generally does not cover routine dental, vision, or hearing services. DVH plans help pay for preventive and corrective care like dental exams, fillings, dentures, eye exams, glasses, hearing tests, and hearing aids. These services are essential for maintaining quality of life, and neglecting them can lead to serious health issues—such as infections, balance problems, or communication challenges. Many people add DVH to their Medicare coverage to ensure they’re protected from high out-of-pocket costs while staying proactive about everyday health needs.
Cancer, Heart Attack and Stroke
CHAS (Cancer, Heart Attack, and Stroke) insurance is a lump-sum benefit policy designed to provide financial support if you're diagnosed with one of these critical conditions. Original Medicare and even many Medicare Advantage plans may not cover all the costs related to major illnesses—such as deductibles, coinsurance, non-medical expenses, or time away from work. A CHAS policy pays out a tax-free, one-time cash benefit directly to you, which can be used however you choose: to cover treatments, travel for care, household bills, or even help a family member take time off to assist you. This type of policy is especially valuable for individuals who want peace of mind and extra financial protection against life-altering health events.
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Get Help Choosing Additional Coverage
Choosing the right supplemental coverage doesn’t have to be overwhelming. Whether you're looking for help with dental and vision care or extra protection against serious illnesses, our team is here to guide you. We’ll explain your options, answer your questions, and help you find the add-on plans—like DVH and CHAS—that fit your needs and your budget.
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When Can I Enroll?
DVH (Dental, Vision, Hearing) and CHAS (Cancer, Heart Attack, Stroke) plans are considered supplemental coverage, which means they’re not tied to Medicare’s standard enrollment periods. In most cases, you can enroll in these plans at any time of the year, regardless of your Medicare enrollment status.
This flexibility makes it easy to add extra protection whenever your needs—or budget—change. However, enrolling sooner can help you avoid waiting periods or limitations on pre-existing conditions, depending on the policy.
If you're not sure when to start, we're here to help you time your enrollment for the best value and coverage.