Hearts First
What we offer
Small policies that do heavy lifting
Dental plans
Most requestedCleanings, X-rays, fillings, and bigger work like crowns or dentures. Preventive visits are typically covered at little or no cost — so you actually go twice a year.
Vision plans
A yearly eye exam plus an allowance toward glasses or contacts. Exams can also catch diabetes and blood pressure problems early — not just blurry vision.
Accident & more
Supplemental policies that pay cash directly to you after an accident, a hospital stay, or a serious diagnosis — money for the deductible, the rent, or time off work.
Why add them?
Built to catch what your health plan lets through
On one call we look at the coverage you already have, find the gaps that would actually cost you money, and add only what earns its place in your budget.
- Most medical plans cover little or no routine dental and vision care for adults
- Supplemental plans pay the cash to you, not the doctor — you decide where it goes
- Preventive dental care is usually covered right away, with no waiting period
- They stack with any health plan you already have — through us or anywhere else
Three reasons people skip them — and why they don’t hold up
“I’ll just pay cash at the dentist.”
One crown or root canal out of pocket can cost more than years of premiums. A plan turns a scary bill into a predictable one.
“My health insurance will cover it.”
Medical plans treat an infected tooth in the ER — but they won’t pay for the dental work that would have prevented it, or the glasses on your prescription.
“It’s one more bill.”
These are among the least expensive policies we offer — often less than you’d expect. We show you the exact number before you decide anything.
FAQ
Dental, vision & supplemental questions
Can I buy dental or vision on its own, without a health plan?
Yes. These are standalone policies — you can add them to any coverage you already have, or buy them by themselves.
Is there a waiting period?
Preventive care like cleanings and exams is usually covered right away. Bigger dental work can have a waiting period depending on the carrier — we tell you exactly which rules apply before you enroll.
What does an accident or hospital plan actually pay?
A fixed cash benefit listed in the policy, paid directly to you when a covered event happens. You can put it toward the deductible, the bills, or the groceries — the carrier doesn’t decide.
Can I add these mid-year, or do I have to wait for open enrollment?
Most dental, vision, and supplemental plans can start any month of the year — no special enrollment period needed.
One call rounds out your protection.
Tell us what coverage you have today and we’ll show you the gaps — with real prices from several carriers, free and with no obligation.