Coverage that fills the gaps
Your primary health plan leaves real gaps. Dental, vision, hospital indemnity, critical illness, life, and long-term care policies protect what it misses.
Coverage types
Six supplemental coverage categories
Each fills a different gap. Many clients carry two or three alongside their primary plan.
Dental
Preventive cleanings, fillings, crowns, and orthodontia. Standalone NJ dental plans from Delta Dental, Aetna, Cigna, and others.
Learn moreVision
Annual exams, frames or contacts allowance, and LASIK discounts. VSP, EyeMed, and Davis plans in NJ.
Learn moreHospital Indemnity
Fixed cash benefit per hospital day. Pairs well with Medicare Advantage plans that carry daily copays.
Learn moreCritical Illness
Lump-sum payout on diagnosis of cancer, heart attack, stroke, or other covered conditions. Use the cash however you need it.
Learn moreLife & Final Expense
Term, whole life, and burial/final-expense policies. Simple options for income replacement and end-of-life cost planning.
Learn moreLong-Term Care
Home health aides, assisted living, and nursing facility care. Medicare won't cover it — a dedicated policy is essential planning.
Learn moreWho it's for
Most people have at least one coverage gap
Supplemental policies are not one-size-fits-all. We identify which gaps matter most for your situation.
- Medicare enrollees with Advantage copay exposure
- ACA enrollees with high deductibles or no dental/vision
- Self-employed individuals building a full coverage picture
- Families wanting income protection in a health crisis
- Pre-retirees planning for long-term care costs
- Anyone without employer-provided dental or vision benefits
How we help
A full-picture review
We start with your existing coverage — health plan, Medicare, employer benefits — and identify where real financial exposure exists. Then we compare supplemental options across multiple carriers to find the best fit for your budget and risk profile.
No package deals. No upselling products you don't need. Just a clear recommendation.
FAQ
Supplemental coverage questions
What is supplemental insurance?+
Supplemental insurance refers to standalone policies that cover costs not included — or under-covered — in your primary health plan. Common examples include dental, vision, hospital indemnity (cash benefits during a hospital stay), critical illness (lump-sum on diagnosis), and life insurance.
Do I need supplemental coverage if I have a good health plan?+
Possibly. Most ACA and employer health plans exclude routine dental and vision entirely. Hospital indemnity and critical illness policies provide cash that you can use for non-medical expenses — rent, childcare, lost wages — that your health plan doesn't touch.
Can I get dental and vision on their own?+
Yes. Standalone dental and vision plans are available year-round in NJ — no special enrollment period required for most. Carriers include Delta Dental NJ, VSP, EyeMed, Aetna, and Cigna.
Is long-term care expensive?+
Premiums vary significantly by age, benefit amount, and elimination period. Buying younger locks in lower rates. NJ residents may also explore hybrid life/LTC policies that combine benefits. We compare options across multiple carriers.
Does Medicare cover long-term care?+
Medicare covers skilled nursing care for a limited time after a qualifying hospital stay — it does NOT cover ongoing custodial care (help with daily activities) in a nursing home or at home. A dedicated long-term care policy is the primary way to protect against those costs.
Does Yumi Health charge for supplemental coverage help?+
No. Like all our services, licensed advisors are compensated by carriers. You pay the same premium whether you enroll through us or directly. There is no fee to you.
What is NJ Medigap and who needs it?+
NJ Medigap (Medicare Supplement) is private insurance that pays the cost-shares Original Medicare doesn't — your Part A and B deductibles, copays, and coinsurance. NJ uses community rating, so all NJ residents pay the same Medigap rate regardless of age. Plan G is the most popular for new enrollees; Plan N is the budget option; Plan F is available only to those eligible for Medicare before January 1, 2020.
Does NJ supplemental insurance work with Medicare Advantage?+
Most supplemental plans pair well with Medicare Advantage — hospital indemnity, critical illness, and accident plans pay you directly when triggered and don't conflict with MA coverage. NJ Medigap is the exception: by federal law, you cannot have both NJ Medigap and Medicare Advantage at the same time. You'd need to switch back to Original Medicare first.
Can I get NJ supplemental insurance without underwriting?+
Some NJ supplemental plans — dental, vision, and many hospital indemnity policies — are guaranteed-issue with no medical underwriting. NJ Medigap is guaranteed-issue during your 6-month Medigap Open Enrollment Period that starts when you're both 65 and enrolled in Part B. Outside that window, NJ Medigap carriers can underwrite.
Not sure which gaps to fill first?
A licensed NJ advisor will review your current coverage and recommend only what you actually need.