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Stand-Alone Dental Plans – Why Medicare Agents Should Offer Them

Stand-alone dental coverage has become one of the most valuable add-ons for Medicare beneficiaries and a smart cross-sell opportunity for agents. Because Original Medicare does not cover routine dental care, seniors face steep out-of-pocket costs for services they use frequently. Offering stand alone dental plans fills this gap and strengthens your overall product portfolio.

Medicare Leaves a Major Dental Gap

Original Medicare excludes cleanings, exams, fillings, crowns, dentures, implants, and more. Beneficiaries often don’t realize this until they get the bill. Dental plans help you address this common pain point and provide solutions your clients genuinely need.

High Demand Among Seniors

Dental needs increase with age; gum disease, decay, cracked teeth, and periodontal issues. Stand-alone plans offer predictable costs and access to affordable care, making them an easy sell to clients on fixed incomes.

Preventive Care = Better Health

Most plans cover routine cleanings and X-rays at 100%. This encourages regular checkups and helps prevent expensive problems later. Clients appreciate plans that improve long-term health and reduce medical complications.

Affordable Premiums and Strong Benefits

Stand-alone dental plans typically offer:

• Low monthly premiums
• Basic and major service coverage
• Large provider networks
• Options to keep their current dentist

These features make dental plans simple to explain and highly attractive during enrollment discussions.

Medicare agents; learn how to sell ancillary products with Medicare – watch a quick video.

A Reliable Cross-Sell Opportunity

Dental plans pair easily with Medicare Supplement, Medicare Advantage, and stand-alone Part D coverage. Adding dental boosts client satisfaction, increases retention, and creates additional commission opportunities; all while genuinely improving your clients’ coverage.

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Offering stand-alone dental coverage helps you close Medicare’s biggest gap, deliver real value, and grow your book of business. With strong consumer demand and affordable pricing, dental plans remain one of the easiest and most impactful products to present in every client conversation.

Agents, stay up-to-date on the our latest webinars an agent events.

Wellabe Hospital Indemnity Plan Sales – An Opportunity for Medicare Agents

As Medicare Advantage benefits continue shifting and out-of-pocket costs trend upward, 2026 is shaping up to be a year where supplemental protection becomes more important than ever. That’s why Wellabe Hospital Indemnity plan sales are emerging as a strong add-on product. This is helpful for agents looking to boost client value, deepen relationships, and increase commissions all while solving real coverage gap issues for Medicare beneficiaries.

Below is an original, agent-focused breakdown of why Wellabe HI plans deserve a top spot in your sales strategy.

Why Hospital Indemnity Plans Matter in 2026

Even with Medicare Advantage coverage, your clients face unpredictable and sometimes steep costs when they’re admitted to a hospital. MA plans commonly include:

• Daily inpatient copays
• Emergency room copays
• Observation stay costs
• Ambulance fees
• Rising maximum out-of-pocket (MOOP) limits

Hospital Indemnity plans fill these financial gaps by providing cash benefits paid directly to the member, which can be used for anything; copays, transportation, lodging for family members, or simply covering monthly bills.

With many MA carriers adjusting benefits and tightening budgets for 2026, more clients are feeling the strain of increased cost-sharing. This shift creates a prime selling opportunity for Wellabe’s Hospital Indemnity Plan.

Why Agents Love Wellabe’s HI Product

Wellabe (formerly Great Western Insurance Company) has structured their HI plan to be flexible, easy to present, and competitive nationwide.

Simplified Issue for Most Ages

Clients can often qualify without medical exams or lengthy underwriting. Fast approvals mean a smoother sales process for both you and the client.

Highly Customizable Benefits

You can tailor benefits based on a client’s specific MA plan design. Options include:

• Daily hospital confinement benefits
• Ambulance coverage
• Observation stay riders
• Skilled nursing facility benefits
• ER coverage
• Lump-sum outpatient surgery benefits

This allows you to build a package that aligns perfectly with their needs.

Join the team at Crowe – click here for agent contract.

Affordable Monthly Premiums

Wellabe’s pricing remains competitive, especially for clients in their late 60s and early 70s. HI plans are one of the easiest cross-sell items because premiums are low and the value is easy to demonstrate.

Ideal Cross-Sell with Medicare Advantage

Whenever you review a client’s MA plan and see hospital copays or multi-day confinement fees, you have a natural opening to present Wellabe HI as a cost-protection solution.

Learn how to cross sell – watch our quick YouTube video

Sales Positioning That Works

Here are proven strategies you can use during AEP, OEP, or everyday sales conversations:

Create Security

Highlight the unpredictable nature of hospital expenses with MA plans. Clients appreciate having fixed, guaranteed cash benefits.

Protect Your Retirement Income

Explain how a short hospital stay could wipe out a month, or more, of income. A low-cost HI plan helps stabilize finances.

Match Benefits to Plan Gaps

Show them the exact hospital copay amounts in their MA plan and how a Wellabe HI benefit can cover it dollar-for-dollar.

Bundle Approach for Agents

Many agents use wording similar to the following:
“If you choose an MA plan, you might wan to consider pairing it with a Hospital Indemnity plan so your hospital costs are fully covered.”

This increases client satisfaction and reduces future complaints or surprise bills.

Why Selling Wellabe HI Plans Builds Long-Term Business

• Strong customer service and claims reputation
• Additional commission without added complexity
• Deepens your advisory role with every client and allows them to use one resources for their coverage needs

Clients who feel fully protected are less likely to shop around, helping you retain business year after year.

Agents stay up-to-date on events and information

Why Medicare Agents Should Be Selling Critical Illness Insurance

As a Medicare insurance agent, your goal is to ensure clients have the best protection for their individual needs. Although Original Medicare and Medicare Advantage plans provide essential healthcare coverage, there’s a critical gap often overlooked: the financial impact of a serious illness. This is where selling critical illness insurance can add real value to your clients’ health coverage as well as your business.

What is Critical Illness Insurance

Critical illness insurance pays a lump-sum cash benefit directly to the policyholder upon diagnosis of a covered condition, such as:

• Cancer
• Heart attack
• Stroke
• Organ transplant
• Kidney failure

Unlike traditional health insurance, this benefit can be used any way the insured chooses; covering deductibles, copays, for travel, in-home care, or everyday expenses like mortgage or groceries.

Why Medicare Isn’t Enough

Medicare (even with Medigap or Medicare Advantage) doesn’t provide coverage for non-medical expenses that often accompany a serious diagnosis. For example:

• Travel to specialized treatment centers
• Home modifications for accessibility
• Lost income for a spouse who becomes a caregiver
• Alternative treatments not covered by Medicare

Even with excellent coverage, a sudden illness can quickly lead to out-of-pocket expenses that drain savings and add financial stress to an already difficult time.

Watch a quick YouTube video on Why and How to Sell Ancillary with Medicare

How Selling Critical Illness Insurance Enhances Your Portfolio

Solves a Real Problem
Seniors are more likely to suffer from critical illnesses than younger individuals. Offering a solution that provides some financial protection and peace of mind differentiates you as a full service advisor; not just a Medicare agent.

Easy to Explain, Easy to Sell
This product is straightforward: “If you’re diagnosed with a serious illness, you get cash.” There’s no network, no complicated claims process, and no restrictions on how the money is spent.

Cross-Selling Made Simple
The Medicare appointment is the perfect opportunity. You’re already discussing health risks, costs, and coverage gaps. With a natural transition, you can introduce critical illness as a way to fill a major gap without additional appointments or paperwork hurdles.

Important: be sure you include any products you might discuss in each meeting in the Scope of Appointment.

Increased Revenue Per Client
Adding a critical illness policy boosts your earnings while strengthening your client relationship. It’s a win-win: more protection and value for them, more business for you.

Ready to join the team at Crowe; click here for contracting

Overcoming Common Objections

“I already have Medicare.”
Yes, but Medicare doesn’t pay you if you get sick. This policy provides money to help manage the non-medical financial impact of a serious illness.

“I’m on a fixed income.”
That’s exactly why this protection matters. A $20–$30 premium today could prevent thousands in financial burden tomorrow. Be sure you sell plans that fit in the client’s budget, do not over-sell. That only leads to distrust and chargebacks when they cannot afford to pay for the coverage.

Adding critical illness insurance to your Medicare sales is not just smart business; it’s the right thing to do for your clients. It shows you understand their broader needs, care about their financial security, and can offer solutions beyond the basics.

Click here to get up-to-date agent events and information

In the ever-evolving world of health and senior insurance, agents are always looking for products that provide real value to their clients and also add revenue to their business. We will go over some reasons selling short term care plans is a good way to helpclients and bring in revenue.

One of the most underutilized tools in your arsenal might just be Short-Term Care (STC) insurance. If you’re not already talking to your clients about STC, here’s why now is the time to start.

Short Term Care Insurance

Short-Term Care (or Recovery Care) insurance is designed to help cover care costs for a limited time, usually up to 12 months in settings like:

• Nursing homes
• Assisted living facilities
• Home health care
• Adult day care

It bridges the gap between Medicare (or traditional health insurance) and long-term care insurance, offering a more affordable and accessible solution.

Learn the key differences between long term and short term care insurance.

Why Agents Should Sell It

Fills a Coverage Gap

Medicare doesn’t cover long-term custodial care, and many clients either can’t afford or don’t qualify for traditional long-term care insurance.

STC provides a financial safety net during short-term recovery periods after surgery, illness, or injury without the high cost or strict underwriting of long-term care policies.

Easier to Qualify For

STC plans often have simplified underwriting, making them ideal for:

• Older clients (even up to age 89, depending on the carrier)
• Those with health conditions that disqualify them from LTC policies
• People who’ve waited “too long” to consider long-term planning

For clients that do not qualify for long-term care, STC might be their next best option.

Affordable for Clients

Many STC policies cost significantly less than traditional long-term care. That makes it easier for clients with various income levels to protect their retirement savings without breaking the bank.

Additionally; plans can be customized to fit a wide range of budgets.

Flexible Benefits

STC plans typically offer:

• Daily benefit amounts (e.g., $100–$300/day)
• Benefit periods (e.g., 90, 180, or 360 days)
• Optional riders like home health care or prescription coverage

This makes it easy to tailor a policy based on the client’s preferences and risk tolerance.

Cross-Selling Opportunity

Short-Term Care pairs well with:

• Medicare Supplement or Advantage plans
• Hospital indemnity insurance
• Final expense life insurance

It’s a natural upsell when you’re already having conversations around aging, recovery, or end-of-life planning. Many clients don’t even know this type of coverage exists until you bring it up.

Watch a quick YouTube video on why and how to sell ancillary with Medicare

Boost Your Business

Offering STC can:

• Differentiate you from other agents
• Add value to every client conversation
• Increase your commission opportunities with a product that’s often overlooked

It shows clients that you’re thinking beyond just the basics and that you truly care about protecting their finances.

Click here to get an idea of the different types of ancillary products available to your clients.

Short-Term Care insurance isn’t a replacement for long-term care; but for many clients, it’s a value-based solution. As an agent, it’s a chance to educate, protect, and build lasting client relationships.

So if STC isn’t in your toolkit yet, it’s time to take a closer look. Your clients (and your bottom line) will thank you.

Are you ready to add ancillary roducts to your business; click here for contracting

Because the cost of unexpected medical expenses can put a lot of stress on any family, healthcare agents should consider adding Cigna Ancillary products to help protect their clients from the financial burden.

Learn about how ancillary sales can add to your income.

Cigna offers several ancillary product choices

Please note; product availability varies by state and is subject to change. It is important to be aware of this before discussing plan options with potential enrollees.

Flexible Choice Cancer, Heart Attack & Stroke

These plans are available in most states. The issue ages for the plans ranges from 18 to 99. Cigna plan lump-sum benefits amounts range from $5,000 to $75,000 for Cancer or heart conditions or stroke. There are several rider options, depending on your location. Plan options include; Cancer recurrence, return of premium, radiation & chemotherapy and much more. Plans are guaranteed renewable for life.

Cancer Treatment

Indemnity benefits help enrollees pay for treatments , care and other costs associated with cancer treatments. Issue ages for the plans are between 18 and 999. They are guaranteed renewable for life and offer lump-sum cancer, heart attack & stroke riders. They also offer hospital, ICU and return of premium riders. Benefits included in this coverage are radiation, bone marrow transplants, chemotherapy, reconstructive surgery as well as experimental treatment options.

Flexible Hospital Indemnity

Flexible hospital indemnity plans are currently available to individuals from age 50 to 85 and are guaranteed renewable for life. Plans offer 4 additional coverage add-ons including; lump sum cancer rider, lump sum heart/stroke rider, specified disease and accident benefit. Coverage includes overnight hospital stays, emergency room visits, ambulance rides as well as skilled nursing care and more.

Flexible Choice Dental , Vision & Hearing

These plan options are available to individuals ages 18 to 89 and are renewable for life. Plans include options for disappearing deductible, 100% coverage for dental diagnostic and preventative services and more. Some plan options include a $5,000 maximum benefit for covered dental, vision & hearing annually. Benefits increase during the first 4 years of coverage up to 90% in the fourth year.

Choice Accident

Choice accident provides benefits for accidental injuries, accidental dismemberment, accidental death, PTSD, prosthesis repair or replacement and home modifications. Issue ages for this coverage ranges from 18 to 74 with guaranteed renewability for life.

These plans do not use age or occupation bands or medical underwriting. Coverage is worldwide and offers health benefit screening riders.

Agents who want to contract with Crowe to offer these products, click here

If you are already a Crowe agent and want to add these products, click here

Accident Treatment

Plans provide indemnity benefits that help enrollees pay for large array of treatment options. Issue ages for this coverage is 18 to 74; plans are guaranteed renewable until age 80. Enrollees can choose from several rider options, including lump-sum cancer and heart attack & stroke, hospital, ICU, as well as return of premium. Plans cover burns, coma, broken bones, surgical procedures, ambulance, accidental death and dismemberment and family lodging.

Individual Whole Life

Life plans provide assistance to loved ones for final expenses with both level and modified benefits. Issue ages for this plan is from 50 to 85 with benefit amounts starting at $2,000 up to $25,000. Plans also offer a spousal premium discount of 5% and an accidental death benefit rider is up to age 100.

Please note; all plan availability is subject to change.

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