Ancillary Benefits

This is a fancy word for Dental, Vision, Hearing, Hospital, Cancer, Accident, or other Supplemental plans that give you additional coverage that traditional health insurance plans don’t cover.  There are so many ways that you can save money by getting a high deductible health Plan and then supplementing it with a lower cost hospital or accident plan that will pay a fixed dollar amount to help you pay some, or all of your high deductible. I have assisted many clients find the right policy to complement their major health or Medicare plans.

Financial Advisor Life Insurance - Manhattan Life Direct

Manhattan Life 

Dental, Vision and Hearing insurance from ManhattanLife is designed to meet as many needs outside of standard medical insurance as possible. It provides coverage at the dentist as well as vision and hearing benefits for things like contact lenses, hearing aids, eye exams, and more.

David Topor has been assisting clients with their individual Medicare Supplement Insurance questions and choices since 2009.  He prides himself on being able to simplify a very confusing selection process.  David promises to take the necessary time to listen to your questions and explain your choices in a easy to understand manner.  As a Independent Agent, David has the ability to get quotes from all major Insurance Companies which will guarantee that the customer gets the best policy available in the market.  David is happy to visit clients at their home and encourages other family members to join the meeting if requested.  Integrity is very important to David, and will never pressure a client to make a decision to enroll in a plan.  If you would appreciate this kind of personal attention, please call David directly at 865-441-1794. You will be glad you did.

Frequently Asked Questions

Do I need to change my plan ancillary every year?

No, many of these type plans will increase benefit payouts to reward and incentivize clients who continue to pay their premiums.  There is also a chance that if you end coverage and then want to reapply in the future, your premium might go up, or you will need to start up a new waiting period or be subject to preexisting coverage limitations.  If you pick a good plan from the start, you will want to keep it.

What is the best way to figure out the best plan for me?

I encourage my clients to look at their own health care expense history and family health history.  For example, if you are accident prone, you may want an accident policy that pays for broken bones, x-rays, and emergency room visits. If several of your older relatives had cancer, strokes, or heart attacks you may want a critical illness or hospital plan.

Most people like Dental/Vision plans to help reduce the costs for preventative costs. I recommend that you find out which plans your Dentist takes and then look at those plans.

I also think it is important to look at the financial strength and reputation of the insurance company.


Can I travel or move with these plans?

Yes.  Most plans offer nationwide networks or have out of network provisions.

Do I need to cancel these when I go on Medicare?

It really depends on the plan you have and the Medicare Supplement or Advantage plan you choose.

You may want to keep your Dental/Vision plan if you choose a Supplement plan because these do not offer any coverage in that area. However, most Medicare Advantage plans do cover dental and vision benefits and so you may want to cancel your individual plan if your dentist take and advantage plan. 

Now a Cancer or Critical illness plan is the exact opposite; you may not see the benefit of keeping it with a Supplement plan but will want to keep it to give you added coverage while on the Advantage plan.

I recommend you call you agent or client services line and discuss your concerns prior to cancelling any policy.


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