Waters & Dance Insurance Solutions
Fill the Gaps in
Your Coverage
Health insurance alone doesn't cover everything. Dental, vision, hospital stays, and a cancer diagnosis can all create unexpected costs. Supplemental plans protect your finances when it matters most.
Our Plans
Supplemental Coverage Options
Each plan targets a specific gap in your coverage. Many clients carry two or more for complete peace of mind.
Protect your smile
Dental Insurance
Most health insurance plans don't cover dental care. A standalone dental plan helps cover routine cleanings, X-rays, fillings, major procedures, and orthodontics — keeping small issues from becoming costly ones.
- Preventive care: cleanings & X-rays
- Basic services: fillings & extractions
- Major services: crowns, bridges & dentures
- Orthodontic coverage available
See clearly, save more
Vision Insurance
Vision plans make routine eye care affordable. From annual exams to prescription eyewear, a vision plan helps you stay on top of your eye health without the full out-of-pocket cost.
- Annual comprehensive eye exams
- Prescription eyeglasses & frames
- Contact lens allowance
- Discounts on LASIK & specialty lenses
Cash when you need it most
Hospital Indemnity
A hospital stay can mean thousands in out-of-pocket costs even with health insurance. Hospital indemnity plans pay a fixed cash benefit directly to you — use it however you need, from bills to everyday expenses.
- Daily cash benefit for hospital stays
- ICU and surgery benefits
- Pays regardless of other insurance
- No network restrictions
Financial protection at diagnosis
Cancer Insurance
A cancer diagnosis brings emotional and financial stress. Cancer insurance provides a lump-sum benefit or ongoing income replacement so you can focus on recovery — not bills.
- Lump-sum benefit upon diagnosis
- Covers treatment-related expenses
- Income replacement during recovery
- Available as standalone or rider
Why Add Supplemental Coverage
Your Health Plan Has Gaps.
We Help You Close Them.
Even the best health insurance plans leave you responsible for deductibles, copays, and services that simply aren't covered. Supplemental plans are designed to step in exactly where your primary coverage stops.
- Most health plans don't include dental or vision
- A single hospital stay can cost thousands out-of-pocket
- Cancer treatment costs average $150,000+
- Supplemental plans pay cash directly to you
Talk to an Agent Today
We'll review your current coverage, identify the gaps, and recommend the most cost-effective supplemental plans — at no charge to you.
Common Questions
Supplemental Plan FAQs
Do I need supplemental insurance if I already have health insurance?
Yes — health insurance covers medical treatment, but it doesn't cover everything. Supplemental plans fill the gaps: dental and vision aren't included in most health plans, and hospital indemnity or cancer insurance provides cash benefits that your health plan won't pay.
Can I get supplemental coverage alongside Medicare?
Absolutely. Supplemental plans like dental, vision, hospital indemnity, and cancer insurance work alongside both Medicare and private health plans. They're especially popular with seniors whose Medicare coverage doesn't include dental or vision.
When can I enroll in supplemental plans?
Unlike major medical plans, most supplemental plans can be purchased year-round — there's no open enrollment window. You can apply anytime, and coverage often begins quickly.
Are these plans expensive?
Supplemental plans are generally very affordable — often just a few dollars a day. The cost varies by plan type, coverage level, and your age. We'll compare options across multiple carriers to find the best value for you.
Ready to Close the Gaps?
Our licensed agents will review your current coverage and find the right supplemental plans — at no cost to you.