Dental, vision and hearing
Original Medicare does not pay for routine dental care, glasses or hearing aids, and those are exactly the costs that show up most often after 65. Stand-alone DVH plans bundle all three for one premium, with networks that include most local dentists and optometrists. If you chose a Medicare Supplement for its freedom, a DVH plan is the natural companion; if you are on an Advantage plan, we compare its built-in allowances against a stand-alone plan honestly.
Hospital indemnity: the Advantage sidekick
Most Advantage plans charge a copay for each of your first several hospital days. A hospital indemnity plan pays you cash per admission or per day, sized to offset those copays almost exactly. Pair the right indemnity plan with your Advantage plan and a surprise hospital week stops being a budget event.
Cancer, heart attack and stroke plans
Lump-sum policies that pay a tax-free cash benefit on first diagnosis. Clients use them to cover out-of-pocket maximums, out-of-network specialists, travel to treatment or simply the mortgage while recovering. Premiums are age-based and usually smaller than people guess; family history is usually the deciding factor.
Final expense life insurance
A modest permanent policy that guarantees your family a fast, tax-free benefit for funeral and final costs. No medical exam for most applicants, fixed premiums for life, and coverage that cannot be cancelled for age or health. Because The Medicare Professor is an Insurance Made Simple company, Jason handles this in the same appointment as your Medicare review when you want it done together. Details live on our Beyond Medicare page.
Short-term recovery care
Medicare covers skilled nursing narrowly (and only after a qualifying hospital stay, with a $217 daily coinsurance for days 21 to 100 in 2026). Short-term recovery care policies help pay for home care or facility stays that Medicare will not, protecting both your savings and the family members who would otherwise fill the gap themselves.
The right add-ons are the ones that plug holes in your plan design. We map your exposure first, then fill only the gaps that matter. Anyone selling add-ons before mapping the gaps has the order backwards.