average annual out-of-pocket healthcare costs not covered by Medicare
Most retirees are shocked by how much Medicare leaves uncovered. A well-chosen combination of ancillary plans can dramatically reduce that exposure — often for less than $50 a month total.
Six Ways to Protect Yourself
from What Medicare Doesn't Pay
Each plan type covers a different gap. Most can be purchased individually or bundled. Rodney compares carriers and helps you choose only what you actually need.
Dental
Preventive cleanings, fillings, extractions, crowns, and more. Medicare doesn't cover routine dental — this does.
Vision
Annual eye exams, frames, lenses, and contacts. Medicare pays nothing for routine vision — don't go without.
Hearing
Hearing exams and hearing aid coverage. With aids costing $3,000–$7,000+, a hearing plan can save you thousands.
Hospital Indemnity
Cash benefit paid directly to you for each day you're hospitalized — helps cover copays, deductibles, and living expenses during recovery.
Cancer & Heart
Lump-sum or income benefits if you're diagnosed with cancer or suffer a heart attack or stroke. Covers costs Medicare won't.
Critical Illness
A tax-free lump sum when a covered condition is diagnosed. Use it any way you choose — medical bills, mortgage, or living expenses.
"Most of my Medicare clients are surprised to learn how affordable gap coverage really is. A dental + vision + hearing bundle often costs less than one trip to the dentist."
Get My Free Ancillary Quote
In 30 minutes, Rodney will compare options from multiple carriers, identify your coverage gaps, and recommend only what you actually need — no pressure, no obligation.
No cost. No obligation. Scheduling takes under 60 seconds.
Free Guide: Medicare Gap Coverage — What to Know
A plain-language guide to everything Medicare leaves uncovered — and the most cost-effective ways to fill those gaps in 2026.
Stay Informed on Medicare & Retirement
Quarterly updates on Medicare changes, Social Security strategies, and financial planning insights — curated by Rodney.
Already on Medicare? Let Rodney review your full coverage picture.
Ancillary coverage works alongside your Medicare plan. Rodney can review your Medicare Advantage or Supplement plan at the same time — making sure nothing is left uncovered.