Supplemental Insurance — Fill the Gaps in Your Coverage

What Is Supplemental Insurance?

Supplemental insurance is additional coverage that works alongside your primary health or Medicare plan. While your main insurance covers medical bills, supplemental plans pay cash benefits directly to you — helping cover deductibles, copays, lost wages, and everyday expenses when illness or injury strikes. Common types include dental, vision, accident, critical illness, cancer, and hospital indemnity insurance.

Types of Supplemental Insurance We Offer

AG Insurance helps West Virginia residents compare and enroll in a wide range of supplemental plans:

• Dental Insurance — routine cleanings, fillings, crowns, and major dental work
• Vision Insurance — eye exams, glasses, and contact lenses
• Accident Insurance — cash benefits for emergency room visits, fractures, and injuries
• Critical Illness Insurance — lump-sum payment if diagnosed with cancer, heart attack, or stroke
• Hospital Indemnity Insurance — daily cash benefit during hospital stays
• Cancer Insurance — covers treatment costs, travel, and lost income
• Short-Term Disability — income replacement if you cannot work due to illness or injury

Who Needs Supplemental Insurance?

Supplemental insurance is valuable for anyone with a high-deductible health plan, limited savings, or a job that doesn't include dental and vision benefits. It is especially useful for self-employed individuals, small business employees, and retirees who want to protect their savings from unexpected medical costs.

• People with high-deductible health plans (HDHPs)
• Self-employed individuals and small business owners
• Employees without dental or vision benefits
• Anyone who wants income protection during a serious illness

Medicare Supplement (Medigap) Plans

If you are on Medicare, a Medicare Supplement plan (Medigap) is a type of supplemental insurance that covers the gaps Medicare leaves behind — including deductibles, copays, and coinsurance. AG Insurance is licensed to help West Virginia seniors compare all available Medigap plans. See our Medicare Insurance page for more information.

How Much Does Supplemental Insurance Cost?

Supplemental insurance is generally very affordable. Dental plans start around $15–$30 per month. Accident and critical illness plans can be as low as $10–$25 per month. The cost depends on your age, the type of plan, and the benefit amounts you choose. As an independent agency, we compare multiple carriers to find you the best value.

Frequently Asked Questions