Supplemental Dental, Vision & Gap Coverage:
Filling the Holes in Your Plan.

Major medical plans rarely cover routine dental and vision care in full, and high deductibles can leave a real gap when care is needed. Dave helps you layer in supplemental coverage that protects your budget without overpaying for benefits you won't use.

Dave Knows: Don't Buy the Gap You Don't Have

“Supplemental policies are powerful, but only when they fill an actual gap in your medical plan. A low-deductible Platinum-style plan may not need a critical illness rider, while a high-deductible HSA plan almost always benefits from gap coverage. We map the gap before we add the policy.”

Dental

First-dollar cleanings, major dental work, and predictable copays for routine and restorative care.

Vision

Exams, frames, contacts, and vision hardware allowances that major medical typically excludes.

Gap & Critical Illness

Cash benefits that help cover deductibles and out-of-pocket exposure during a higher-use year.

Questions Dave Recommends Asking

Which dental and vision providers can I keep under the supplemental plan?
Does the gap policy pay me directly, and what triggers the benefit?
Are cleanings and preventive dental covered before the deductible, or after?
How does supplemental coverage interact with my major medical out-of-pocket maximum?

[INSURANCE COMPLIANCE REVIEW]: Supplemental, dental, and vision coverage are add-on policies and do not replace major medical hospital coverage. Benefits, exclusions, waiting periods, and availability vary by carrier, product, and state.

Map Your Coverage Gaps With Dave

Dave identifies the real gaps in your medical plan and adds only the supplemental coverage that earns its place.