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Ancillary Products

If you'd like more information about any of our Ancillary Products, please give us a call at 800-578-3940 or drop us an email at info@mcginsure.com.

Dental Insurance

Dental insurance comes in handy when you need major dental treatment, which can be expensive to pay for yourself.

If you have a Medical Advantage, Marketplace or Group plan, you may already have dental insurance built in. Standalone dental policies are available for people who don’t have access to those types of plans.

Whether dental insurance is worth it depends on how much it costs and what you get from the coverage. If you typically only need cleanings a couple of times every year, then insurance is not necessarily going to pay for itself. However, if you have an unexpected major expense such as a root canal or crown you could be looking at a pretty hefty expense without insurance. And because dental insurance has waiting periods for those types of services, you won’t be able to use it right away for those hefty expenses if you don’t already have it.

This is the way that insurance companies cover dental services:

You can start a dental plan at any time of year. Some plans are effective the next day and others start the 1st of the month following enrollment.
Most cover preventive care at 100%, basic services like fillings and simple extractions at 80% and major services at 50%.
Many have waiting periods for major services like root canals and crowns from 6 months to a full year, with some offering a small percentage of coverage (10 – 15%) during the waiting period.
Some companies will waive the waiting periods for people who have had prior dental coverage in the 63 days
prior to enrolling.
Some cover implants and orthodontics.
Maximum benefits vary from $1000/year up to $5000/year.
Some have no waiting periods but step up the benefits and coverage over 3 years.
Some cover only preventive care with no coverage for major services at all.
You can find plans that cover dental, vision and hearing all in one plan.

Most major carriers have dental plans and here are a few that we represent. Click on the links below to learn about their plans in your area:

Hospital Indemnity

These types of policies are intended for seniors who are already on Medicare to supplement their out-of-pocket costs for expenses that are not covered by their insurance plan(s) like deductibles or copays for hospitalization, skilled nursing or home health care.

There are some that complement the specific copays and coinsurance found on many Advantage plans and help reduce the financial obligation for the maximum out of pocket.

Benefits can be paid directly to the insured or sent to the provider and are paid in addition to other health coverage. Most plans pay a hospital benefit as well as optional rider for skilled nursing, outpatient procedures, ER or Ambulance services, cancer fixed indemnity and Outpatient Rehabilitation.

Some plans are specifically for just home care or nursing home care. Some carriers offer Guaranteed Issue/Acceptance which means that no health questions will be asked to qualify for the plan.

For more information, take a moment to review the Aetna Senior Hospital Indemnity plans:

Life Insurance

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International Travel Insurance

We offer travel insurance underwritten by IMG Global.

Travel insurance is a type of insurance coverage designed to protect travelers against potential risks and unexpected events that may occur during their travel outside of their home country. It provides financial reimbursement and assistance for various travel-related issues, such as medical emergencies, trip cancellations or interruptions, lost or delayed baggage, and other unforeseen circumstances.

Travel insurance policies typically offer different levels of coverage and can be customized based on where you are traveling and for how long, so you are only paying for insurance for the specific time you need it. Here are some common features and benefits of travel insurance:

Trip Cancellation/Interruption Coverage: This feature reimburses you for non-refundable expenses if you need to cancel or cut short your trip due to covered reasons, such as illness, injury, or the death of a family member.
Emergency Medical Expenses: Travel insurance covers medical expenses incurred during your trip due to illness or injury. It may include hospitalization costs, emergency medical evacuation, and repatriation to your home country for treatment.
Baggage Loss/Delay: If your luggage is lost, stolen, or delayed for a significant period, travel insurance can provide compensation to help you replace essential items or cover the costs of buying new clothes and toiletries.

Travel Delay: If your trip is delayed due to reasons beyond your control, such as severe weather or mechanical issues, travel insurance can reimburse you for additional expenses like accommodation, meals, and transportation.
Personal Liability: This coverage protects you in case you accidentally cause injury to someone else or damage their property during your trip, and legal expenses are incurred.
Emergency Assistance Services: Many travel insurance policies offer 24/7 emergency assistance services. These services can provide you with medical advice, help you locate healthcare providers, arrange emergency medical evacuations, or assist with other travel-related emergencies.

It's important to note that travel insurance coverage varies depending on the policy and there are several reasonably priced options with IMG Global. Before purchasing travel insurance, we can provide a quote for your specific trip and help you evaluate what level of coverage you need and go over any coverage limits, exclusions, and any pre-existing medical conditions that may affect your coverage. Call us today for a free quote!

IMG Product brochures:

Globehopper Senior

iTravel Series:

○ iTravel Lite

○ iTravel SE

○ iTravel LX

○ iTravel Sport

Vision Insurance

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Hearing Insurance

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Accident Insurance

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Critical Illness

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