Supplemental

The Add-On That Takes 5 Minutes and Doubles Your Value Per Client

Virtually every health and Medicare client wants dental and vision. It's the simplest cross-sell in insurance.

Get Started — Apply Now

Dentist and patient reviewing dental coverage options together

Dental Plans

Preventive care covered 100% — cleanings, exams, and X-rays at no extra cost
Basic restorative services including fillings, extractions, and simple procedures
Major dental work coverage for crowns, bridges, dentures, and root canals
Orthodontic options available on select plans for both adults and children

Vision Plans

Annual comprehensive eye exams with dilation and refraction included
Prescription lenses covered in a variety of materials and coatings
Frame allowance at in-network retailers with hundreds of name-brand options
Contact lens benefit as an alternative to glasses, including fitting fees

Bundle Strategies

Stack Dental & Vision on Every Sale

These plans pair naturally with your existing book. Every health or Medicare client is a warm lead for supplemental coverage.

ACA Health

Bundle with ACA Health

Most ACA plans offer limited or no dental and vision for adults. Adding a standalone supplemental plan closes that gap instantly and earns you an additional commission on every enrollment.

Medicare Supplement

Bundle with Medicare Supplement

Original Medicare and Medigap policies do not cover routine dental or vision. Clients with Supplement plans are an untapped opportunity — they already trust you and want the coverage.

Medicare Advantage

Bundle with Medicare Advantage

Even plans with built-in dental and vision benefits often have low allowances. Standalone supplemental plans fill the gaps and give you an easy, natural value-add conversation at every renewal.

The Easiest Conversation in Insurance

✓ Every client already knows they want dental and vision — you just have to offer it
✓ No complex underwriting — most plans are guaranteed issue or simplified issue
✓ Low monthly premiums make objections rare and close rates high
✓ Adds meaningful recurring commission to every policy year with minimal effort
✓ Strengthens client relationships and dramatically reduces lapse risk on primary policies
✓ Quote and enroll in the same platform as your primary health or Medicare plan

5 min

Average time to add dental & vision to any sale

No separate application in most cases
Instant approval on guaranteed-issue plans
Commission paid alongside your primary product
Renewal income builds year over year
Carriers you already know and represent

Optometrist performing an eye exam with a patient in a modern clinic

Product Details at a Glance

Everything agents need to know before their first client conversation on dental and vision.

Availability

All 50 States

Dental and vision supplemental plans are available nationwide with multiple carrier options in every market.

Underwriting

Guaranteed or Simplified Issue

Most plans require no medical exam. Enrollment is fast and clients rarely face a denial — making it easy to close.

Effective Date

Coverage Starts Quickly

Many plans offer first-of-the-month effective dates, and some carriers activate coverage in as little as 24 hours after approval.

Premiums

$15 – $60 / Month

Affordable price points across individual and family tiers make dental and vision an easy add-on at any income level.

Commissions

Recurring Annual Income

Agents earn commission on every policy year the client remains enrolled — building a reliable passive income stream.

Carriers

Multiple Top Carriers

Access to Humana, Ameritas, Delta Dental, VSP, and additional regional and national carriers through the Quantum platform.