Additional Coverage


Health insurance — including Medicare — is vital. But it doesn’t cover everything. You are responsible for deductibles, coinsurance, and other out- of- pocket expenses that can add up to thousands of dollars. Many illnesses and accidents are considered non-medical and not covered.

Cornerstone can make your financial future more secure with plans that cover things your health insurance does not.

Help paying for your road to recovery!


As high as medical expenses can be these days, some of the highest costs you face may occur after illness, during recovery. If you need to go to a nursing home, for instance, one year’s care can approach $100,000 or more, depending on where you live!


We offer a variety of Recovery Cash Plans to protect you from out-of-pocket medical expenses not usually covered by Medicare, Medicare Supplements, or Advantage Plans.


Your recovery will be paramount, not paying for it. With a Nursing Home and/or Assisted Living Facility Benefit you will receive the daily maximum benefit amount for each day you are confirmed in a qualified nursing home or assisted living facility after any elimination period has been met (number of days of covered care that must be met for benefits to be payable). The benefit can be up to $300 a day. Talk to us about this vital coverage plus available “extra” riders, such as for home health care

We found that hospital co-pays are a big concern for people who are enrolled in Medicare Advantage plans. Copays can add up especially fast if you have more than one hospital stay. Hospital Indemnity Plans (HIP) pay you a set dollar amount for each day you are in the hospital. If your plan pays you more than the hospital copay, you keep the difference.


These plans also offer riders for ambulance service to and from a medical facility and a lump sum payment for a diagnosis of cancer.

Various sources say a person’s risk of developing cancer is about 50% and somewhat higher for men than women. Naturally, costs for treatment can be high. A cancer insurance policy is an affordable, supplemental policy to help meet the costs. According to reports, a person who has Medicare, a supplement and part D can expect to still spend $800 per month on medical care!


Policy members diagnosed with a covered cancer receive a lump-sum cash payment help with:

  • Medical payments, co-payments and deductibles
  • Mortgage or rent payments and living expenses
  • Travel expenses to out-of-area specialized treatment facilities
  • Experimental treatments not covered by primary insurance
  • Loss of income and child/elder care expenses
  • Other illness expenses brought on by cancer or treatments

The number accidental injuries in our country is astounding. The government estimates  there are more than 30 million emergency room visits per year due to accidents. Accident insurance pays cash benefits when you’re injured — deductibles, for instance.  Plans can offer:

  • Access to any doctor or hospital with no network restrictions.
  • No waiting period to use benefits.
  • No overall annual or lifetime limit no matter.
  • Help with the question “Is Accident insurance right for me?”
  • Simple plan options to meet your needs and budget.
  • Coverage for adults of all ages.
  • Cost that don’t increase with age or the number of covered. children.
  • Easy application process — just a few basic questions — and no medical exam.

Surviving critical illness is becoming increasingly common, thanks to advances in medical technology. However, the costs of fighting these illnesses or keeping up with everyday bills can be more than most of us can pay.


Critical illness plans pay you cash in either a lump-sum or monthly benefit amount depending on the type of plan you choose. This insurance can help fill in gaps that your plan may not pay, such as deductibles and coinsurance, out-of-network costs, travel to the best doctors and facilities, and other treatments that your plan may not cover. While you’re focused on getting well, you can use the cash to pay for everyday expenses — mortgage, household bills like gas and food, and cover lost income.

Dental problems can be painful, inconvenient, and expensive. But Original Medicare, Medicare Supplement Plans, and many other health plans do not cover dental expenses. Yes, if you have a Medicare Advantage Plan, it may offer dental benefits. But it may not cover major procedures and you might be restricted to a provider network.


This all means you need quality dental coverage. We offer dental plans with no network restrictions and that pay you cash to cover services that most plans don’t. You can choose plans that cover services such as cleanings and exams, X-rays and fillings, anesthesia, crowns (select plans) and more.

Do you wear glasses or contacts?


Reports say as many as 75% of Americans do. But individual major medical plans normally do not provide adult vision coverage neither does Original Medicare.


Adults with Individual major medical plans may need stand-alone vision coverage. Affordable Care Act (ACA) plans are required to provide basic pediatric vision benefits. But limits on total benefit amounts and covered procedures might leave big gaps.


Vision insurance will help offset the costs of routine checkups as well as help pay for vision correction wear.