SUPPLEMENTAL

SUPPLEMENTAL INSURANCE OPTIONS

It's important to know your health coverage options. Let Tropical Health Insurance provide you with some clarity on your options, and help you choose the insurance coverage that best meets the needs and budget of you and your family.

Dental Insurance

Dental | New Port Richey, FL | Tropical Health Insurance
Proper dental care is imperative to maintain healthy teeth and gums. However, the cost of regular cleanings and major dental procedures can be overwhelming. This is where dental insurance comes in, providing assistance in paying for preventive and diagnostic exams, preventive services, and restorative dental procedures.

With a vast network of dental care professionals and insurance policies, you have several affordable options to choose from. I can assist you in selecting the best plan for your specific dental needs. With over 4 million insurance policies issued from over 200 companies nationwide, you have the freedom to be selective. Don't let the cost of dental care prevent you from maintaining good oral health – talk to Tropical Health Insurance today.
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VISION COVERAGE

While health insurance policies often cover medical procedures and exams, they do not cover visits associated with routine vision care. Vision insurance is a supplemental policy designed to cover specific eye-related expenses. With many health insurance plans not covering basic eye exams, glasses, and other vision expenses, a vision policy can provide much-needed coverage.


The premiums for vision insurance policies are often lower than traditional health insurance plans, making it an affordable option for those looking to cover basic eye care needs. From eye exams to vision correction procedures, having a vision insurance policy can help offset the cost of necessary eye care expenses.

DO I NEED VISION INSURANCE?

Even if you do not currently wear glasses, having routine eye exams are key to catching and treating many eye diseases. Although yearly exams might seem unnecessary there are many reasons why they can benefit you and your family!

Children ages 3 and younger

At Tropical Health Insurance, we prioritize your child's health. That's why we recommend regular eye exams with your pediatrician. They'll check for common childhood eye problems and ensure healthy eye development. A more comprehensive exam between ages 3-5 will identify and treat any vision or alignment issues.

School-age children and youth

Before entering Kindergarten, it is important to have your child's eyesight checked. This can help to ensure they do not have vision issues before starting school.

Adults

If you are otherwise healthy and do not have vision concerns, the American Academy of Ophthalmology suggests having a comprehensive eye exam at age 40. Your eye doctor can then recommend how frequently you should be scheduling future exams.

WHAT DOES VISION COVERAGE ENTAIL?

Coverage varies by plan, however the typical vision plan will cover the following:


A set percentage of basic services

Yearly eye exams

Eyeglass frames and lenses OR Contacts

A percentage of LASIK or PRK vision correction

Accident Insurance

At Tropical Health Insurance, I understand that unexpected medical expenses can be a major financial burden. That's why I offer help finding health insurance plans that not only cover your regular check-ups and preventive care, but also provide peace of mind for those unexpected situations. Whether it's an injury from a sports accident or an unexpected accident, our plans can help you pay for the medical care you need. With a variety of options to choose from, I can help you find the right plan that fits your budget and lifestyle. Don't let unexpected medical expenses derail your finances – choose Tropical Health Insurance for reliable coverage.
  • Hospital Stay
  • Emergency Treatment
  • Diagnostic Exams
  • PT
  • Surgery
  • Ambulance
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Accident insurance | New Port Richey, FL | Tropical Health Insurance

CRITICAL ILLNESS + CANCER COVERAGE

Suffering from a heart attack, stroke, or critical illness can be devastating. Not only does it take a toll on your physical health, but it can also have a significant financial impact. That's why Tropical Health Insurance offers help finding a supplemental critical illness or cancer insurance plan to help protect your family and your finances.


With lump-sum cash benefits paid directly to you, you can use the money to help pay for expenses such as medical bills, lost income, or even much-needed everyday expenses like utilities, your mortgage, etc. Don't let a health crisis drain your savings. Contact Tropical Health Insurance today to find out how I can help you protect your financial future.

If you incur a qualifying illness, critical illness insurance policies pay you lump-sum cash benefits.


Plans vary, but typical qualifying events may include:

  • Cancer
  • Cancer In Situ
  • Stroke
  • Alzheimer’s
  • Coronary Artery Bypass Graft
  • Amyotrophic Lateral Sclerosis (ALS)
  • Benign Brain Tumor
  • End-Stage Renal Disease (ESRD)
  • Heart Attack
  • Illness-Induced Coma
  • Organ Transplant


Your benefits are paid directly to YOU, and can be used for anything you need. It is important to note however that you cannot purchase Critical Illness Insurance after being diagnosed with a critical illness. To qualify for benefits, you must be diagnosed after your policies waiting period. So don't wait, contact me today to see how I can help.

WHAT DOES HOSPITAL COVERAGE ENTAIL?

Hospital indemnity insurance can be a valuable addition to your existing health insurance policy. This type of supplemental coverage provides a predetermined daily benefit for each day you spend in the hospital. With limits of up to a year, you can rest assured that you will receive financial support during your hospital stay. At Tropical Health Insurance, I offer help choosing comprehensive hospital indemnity insurance plans to protect you and your loved ones from unexpected medical expenses.

How Does a Hospital Indemnity Insurance Plan Work?

Hospital indemnity insurance is health care coverage that can be added to an existing health insurance plan. These types of plans pays out a set benefit amount for each day spent in hospital confinement.


Plans vary, however, most plans cover:

  • Hospital confinement with surgery
  • Hospital confinement without surgery
  • ICU confinement
  • Critical Care Unit confinement
  • Heart Attack
  • Illness-Induced Coma
  • Cancer (Invasive)
  • Organ Transplant (Major)
  • Stroke


If you are searching for a more robust plan, there are some available that cover:

  • Outpatient surgery
  • Continuous care
  • Outpatient X-rays
  • Lab procedures
  • Diagnostic imaging (outpatient)
  • Ambulance transportation
  • Emergency room visits
  • Physician office visits
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