Supplemental Coverage
Additional protection when you need it most
Overview
Dental, vision, accident and critical illness
Your main health plan leaves gaps, and those gaps get expensive fast. Deductibles, dental work, a broken wrist, a cancer diagnosis. Allguard compares supplemental carriers available in your area and shows you what each one actually pays out.
- Dental and vision plans
- Accident and hospital indemnity coverage
- Critical illness and cancer plans
- Coverage that works alongside Medicare or a Marketplace plan
What we check
How we compare supplemental plans
Supplemental policies are sold on price and judged on payout. We read the fine print so the benefit is there when you file.
- We show you the actual benefit amount, not the brochure headline
- We check waiting periods and exclusions before you sign
What it pays
The real cash benefit per event, per year, and whether it has a lifetime cap.
When it pays
Waiting periods, pre-existing conditions and how fast claims are processed.
What it costs
Monthly premium weighed against what you would realistically claim in a year.
Why choose us
Why families trust Allguard to fill the gaps.
Allguard Insurance Corp. is a licensed, independent insurance agency. We answer in English and Spanish.
Licensed and independent
We compare multiple supplemental carriers instead of representing just one.
Plans built around you
We only recommend coverage you would realistically use.
Service in two languages
English and Spanish, from the same agent who wrote your policy.
No additional cost for our assistance
There is no additional charge for working with us to compare available plans.
” Excellent service, excellent attention, excellent people. “
Niezer Pérez Pérez, Google review
Cover the gaps your main plan leaves behind
Coverage basics
Do you actually need supplemental coverage?
Ask us anything about supplemental coverage. There is no additional cost for our assistance and no obligation.
The honest answer
It depends on your deductible
If your health or Medicare plan has a high deductible and you do not have several thousand dollars set aside, supplemental coverage is usually worth it. If your deductible is low and you have savings, it may not be. We will tell you which one you are, even when the answer means we do not sell you anything.
Important disclosures. Allguard Insurance Corp. is not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Assistance Program, to get information on all of your options.