Health insurance is possibly the most important form of insurance a client can buy. When a client comes to you, they are trusting you to find and tailor a policy that they can rely on, both on an every-day basis and when something goes wrong. If your agency only offers basic health insurance coverage, however, you may want to reconsider. Basic health insurance policies unfortunately don’t cover everything. There are additional coverages that can fill in gaps left over by your client’s basic health insurance plan. Offering these and explaining them to clients can ensure that your clients know what coverage they are entitled to and feel safe knowing they’re covered. 

Dental Insurance 
This may shock some clients, but most dental work is not covered under health insurance. For the most part, dental work is seen as cosmetic for insurance purposes. This obviously isn’t always the case, as issues with the mouth and teeth can cause serious health issues throughout the body. 

Dental insurance can be purchased as a separate policy to cover preventive care, fillings, oral surgery, fillings, crowns and more. 

Vision Insurance 
Health insurance may cover children under the age of 18 as well as medically necessary eye surgeries, but it doesn’t cover things such as eye exams, glasses or contact lenses. Vision insurance can help with these, which is especially helpful for clients with continuously poor or deteriorating eyesight. 

Gap Insurance 
Gap insurance is a unique form of supplemental health insurance that is designed to fill in the gaps left by your other coverages. It’s geared to reduce the amount you have to pay out of pocket for health care services and expenses. 

No matter what plan your clients have, it’s crucial that they have coverage for certain dangers that all health care consumers face. Accidents happen and sudden medical issues arise more commonly than anyone would like. Make sure that your client’s plan includes coverage for the following: 

• Prescription drugs
• Ambulances and other emergency services 
• Hospitalization 
• Overnight stays 
• Pregnancy care 
• Newborn and maternity care 
• Mental health services 
• Pediatric services 
• Substance use disorder services 

Be sure to consider your client’s specific needs. Those with a tight budget may want less coverage, but this could leave them open to paying even more money in the long run. Older clients will likely need more coverage for inpatient stays and prescription drug services.