Supplemental Plans for Complete Coverage

Scott McEvoy Insurance will help you select the right plan to the fill the financial gaps when the unexpected happens.

Dental Plans

Scott and his team can compare dozens of affordable dental plans. Dental plan policies are available for orthodontics, teeth whitening, root canals, dental implants and more. Scott can also compare Dental plans to Dental discount plans that can often be more suitable than insurance.

  • Is there a waiting period for Dental Insurance?

    Waiting periods are dependent on the insurance plan. Dental policies may require that you have your policy for up to a year for major dental work before it’s covered. 

Vision Plans

Most health insurance policies do not cover vision expenses like eye-related exams, glasses and treatments. Let the Scott McEvoy Insurance team review options from multiple insurance companies to avoid outrageous out-of-pocket expenses.

  • What does vision insurance cover?

    Typical vision insurance coverage includes:

    • Yearly exams
    • Glasses frames and lenses or contact lenses

Accident Plans

Accidents happen, but you can plan for them. When you're faced with an emergency situation, accident plans can help you avoid paying high out-of-pocket expenses.


Supplemental accident plans typically pay a lump-sum cash benefit directly to you for injuries to help cover expenses you may have during your recovery.

  • What types of emergencies do accident plans covers?

    Accident insurance can help alleviate the cost of emergency situtations like:

    • Children's sports injuries
    • Hospital confinement
    • Out-of-network providers

Critical Illness and Cancer Plans

Focus on recovery instead of finances. Critical illness and Cancer plans generally provide a lump-sum cash benefit directly to you for a first diagnosis of a major illness such as advanced Alzheimer's disease, a heart attack, stroke or life-threatening cancer.

  • What are some of the expenses that are not covered by health insurance?

    The lump-sum cash from a Critical Illness and Cancer plan can be used for expenses such as:

    • Deductibles
    • Out-of-network specialists
    • Travel and lodging for treatment
    • Child care
    • Living expenses

Hospital Confinement Plans

If you're suddenly admitted to a hospital, could you afford an extended stay? A supplemental hospital confinement plan typically pays a daily cash benefit directly to you for hospital confinement related to an accident or illness. The money can be used to pay unexpected medical costs or living expenses.

  • What are some of the benefits of hospital insurance?

    Benefits of Hospital Confinement plans include:

    • No deductibles
    • Benefit amount increase the first five days
    • No network restrictions
    • No pre-certification

Disability Plans

An injury or illness that prevents you from working has the potential to turn into a financial hardship.  Once the claim is reviewed and approved, a short-term disability cash payment is paid directly to the claimant. Disability insurance plans generally pay a monthly cash benefit.

  • What can disability cash benefits be used for?

    Cash benefits can be used for expenses like:

    • Groceries
    • Rent / Mortgage
    • Car payments
    • Child care
    • Utilities

Long-Term Care Plans

Costs for assisted living facilities, nursing homes, and even at-home care are rising. Protect your finances and peace of mind with a long-term care policy that can protect you and your family's future.

  • What do Long-Term Care insurance cover?

    Benefits from Long-Term Care Insurance can cover:

    • Skilled nursing care
    • Home healthcare
    • Adult daycare
    • Assisted living
    • Nursing homes

  • When should I enroll in Long-Term Care insurance?

    Long-Term Care premiums tend to be lower the younger you are at time of enrollment. After age 60, premiums tend to rise.

Fixed Indemnity Plans

Your health insurance may not be enough. Deductibles and other out-of-pocket costs can add up. Fixed indemnity supplemental insurance provides cash benefits to help cover the expenses of common medical services, such as ER visits, x-rays, hospital stays and continuous care.

  • If I have Fixed Indemnity insurance, do I need health insurance?

    Yes. Fixed Indemnity insurance plan is not meant to serve as a stand-alone plan. If you only carry this form of supplemental health insurance, you may still be subject to tax penalty.

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