Dental, Vision, ACA & Supplemental Health | Paradise Assured
Supplemental Plans in 9 States|Serving NY & FL for ACA
Health insurance is not one-size-fits-all. At Paradise Assured Insurance Agency, Andrew M. Lax and our team of licensed advisors help individuals, families, and seniors navigate a comprehensive range of health and supplemental insurance options — from ACA health insurance for those under age 65 to dental, vision, hearing, hospital indemnity, and critical illness coverage for all ages.
Most people significantly underestimate the gaps in their existing health coverage — gaps that can result in devastating out-of-pocket expenses when a serious illness, hospital stay, or critical diagnosis occurs. Paradise Assured Insurance Agency helps you identify those gaps and fill them with the right supplemental coverage for your specific situation and budget.
All consultations are available by phone or virtually at your convenience. No office visit is required.
Paradise Assured Insurance Agency charges no direct fee for health insurance planning consultations. Our compensation is provided by the insurance carrier upon the successful placement of a policy and payment of the premium.
Dental Insurance — Comprehensive Coverage for All Ages
Stand-alone dental insurance is not just for seniors on Medicare. Individuals and families of all ages benefit from stand-alone dental coverage — including those who already have some dental benefits through an employer group health plan or ACA coverage but find that coverage falls short of their actual dental needs.
THE DENTAL COVERAGE GAP
Many employer dental plans and health plans that include dental benefits carry significant limitations that most people do not fully understand until they need major dental work:
Restricted provider networks — Your preferred dentist or specialist may not be in your plan's network — limiting your choices and potentially requiring you to change providers.
Low annual maximum benefits — Many employer dental plans have annual maximums of $1,000 or $1,500 — amounts that can be exhausted by a single crown or root canal, leaving you responsible for all remaining costs for the rest of the year.
Limited coverage for major services — Coverage for crowns, bridges, root canals, dentures, and implants is often severely restricted or subject to high coinsurance percentages — leaving significant out-of-pocket exposure for the dental procedures that cost the most.
No orthodontic coverage — Families with children who need braces or other orthodontic treatment frequently find that their employer dental plan excludes orthodontics entirely or provides only a small lifetime benefit that barely makes a dent in actual orthodontic costs.
Lost when you change employers or plans — Employer dental benefits are tied to your employment. A job change, retirement, or loss of employment means loss of dental coverage — often at exactly the time when maintaining continuous coverage matters most.
DENTAL HEALTH AND YOUR OVERALL HEALTH
Dental health is not just about your smile — it is directly connected to your overall physical health. Research has shown that inflammation in the gums can fuel systemic problems like cardiovascular disease and diabetes. According to the Centers for Disease Control and Prevention, approximately 68% of adults age 65 and older have gum disease — making comprehensive dental coverage a critical component of overall health planning at every age.
WHAT STAND-ALONE DENTAL INSURANCE PROVIDES
A stand-alone individual dental insurance plan provides benefits that complement or replace inadequate group dental coverage:
Comprehensive coverage — Diagnostic and preventive services, including cleanings and x-rays, basic services such as fillings and extractions, and major services such as crowns, bridges, root canals, and dentures.
Orthodontic coverage — Some stand-alone dental plans include orthodontic benefits for families with children — covering braces and other orthodontic treatment that employer plans frequently exclude.
Higher annual maximums — Annual maximum benefits ranging from $1,500 to $10,000 per year, depending on the plan selected — providing meaningful protection against major dental expenses that quickly exhaust lower employer plan limits.
No waiting periods on many plans — Some stand-alone dental plans provide day-one benefits for preventive and basic services so you can use your coverage immediately.
Hearing aid discounts — Some stand-alone dental plans include hearing aid discounts as a bundled benefit — providing additional value beyond dental coverage alone and addressing another significant coverage gap that Medicare and most health plans do not adequately cover.
Guaranteed renewable for life — Your plan cannot be cancelled due to your health or age as long as premiums are paid.
Portability — Your stand-alone dental plan stays with you regardless of any changes to your employment, Medicare, Medicare Advantage, or other health coverage.
Combined dental, vision and hearing plans — Certain carriers offer a single combined plan covering dental, vision, and hearing in one policy — a particularly convenient and cost-effective option for those seeking comprehensive coverage across all three areas in one plan.
Paradise Assured Insurance Agency offers stand-alone individual dental insurance plans with PPO networks providing access to thousands of dentists nationwide at negotiated fees. Coverage is available for individuals, single-parent families, couples, and families throughout all 9 states we serve.
Paradise Assured Insurance Agency charges no direct fee for dental insurance consultations. Our compensation is provided by the insurance carrier upon the successful placement of a policy and payment of the premium.
Benefits, availability, and plan features vary by carrier and state.
Please review all policy details carefully before purchasing.
Vision Insurance — Essential Coverage for All Ages
Stand-alone vision insurance is not just for seniors on Medicare. Individuals and families of all ages benefit from stand-alone vision coverage — including those who have some vision benefits through an employer group health plan but find that coverage does not fully meet their eye care needs.
THE VISION COVERAGE GAP
Many employer health plans and group benefits packages that include vision coverage carry significant limitations that become apparent only when you actually need eye care or new eyewear:
Low frame allowances — Many employer vision plans provide frame allowances of $100 to $150 — amounts that cover only a fraction of the cost of quality frames, leaving you paying a significant balance out of pocket.
Restricted provider networks — Employer vision plans may have limited networks that do not include your preferred eye care provider or convenient retail locations near your home or workplace.
Limited lens enhancement coverage — Progressive lenses, anti-reflective coatings, polycarbonate lenses, and other common lens upgrades are frequently excluded or covered only at minimal levels — resulting in meaningful out-of-pocket costs even for routine eyewear purchases.
Infrequent benefit cycles — Many employer vision plans provide benefits only every 24 months for frames and lenses — which may not align with your actual vision care needs, especially as prescriptions change more frequently with age.
No LASIK coverage — Most employer vision plans provide no benefit toward LASIK laser vision correction — a procedure that can cost $2,000 to $3,000 or more per eye.
Original Medicare does not cover routine vision care — no eye exams, no eyeglasses, no contact lenses — leaving Medicare beneficiaries paying entirely out of pocket for essential eye care unless they have stand-alone vision coverage or a Medicare Advantage plan with vision benefits.
THE IMPORTANCE OF REGULAR EYE EXAMS
A comprehensive eye exam is about far more than checking your vision prescription. Your eye care provider can detect early signs of serious health conditions during a routine exam, including diabetes, high blood pressure, glaucoma, macular degeneration, and other conditions — often before symptoms appear. Regular eye exams are an essential component of preventive health care at every age.
WHAT STAND-ALONE VISION INSURANCE PROVIDES
A stand-alone individual vision insurance plan provides comprehensive eye care benefits for individuals and families of all ages:
Annual eye examinations — Comprehensive vision exams are covered after a small copay with access to tens of thousands of in-network providers nationwide, including major retail locations.
Eyeglass lens coverage — Single vision, bifocal, trifocal, and progressive lenses are covered after a small copay. Average 25 to 30% savings on popular lens enhancements.
Generous frame allowances — Meaningful frame allowances at thousands of in-network provider locations and major retail chains nationwide — are significantly higher than many employer plan allowances.
Contact lens coverage — Annual allowance for contact lenses and contact lens fitting exams, with the option to order online through network providers.
LASIK discount — Average 15% savings on LASIK laser vision correction procedures through network providers — a benefit that most employer vision plans do not offer.
No waiting periods — Vision benefits begin on your effective date with no waiting period.
Large provider networks — Access to tens of thousands of in-network eye care providers nationwide, including major retail locations, making it easy to find a convenient provider across all 9 states we serve.
Additional eyewear savings — 20% off additional pairs of prescription glasses and non-prescription sunglasses from network providers within 12 months of your last exam.
Vision insurance plans are available for individuals and families of all ages. No enrollment fees and no waiting periods on most plans.
Paradise Assured Insurance Agency offers vision insurance plans to clients throughout New York, Florida, New Jersey, Connecticut, Arizona, Tennessee, Indiana, Delaware, and West Virginia.
Paradise Assured Insurance Agency charges no direct fee for vision insurance consultations. Our compensation is provided by the insurance carrier upon the successful placement of a policy and payment of the premium.
Benefits, availability, and plan features vary by carrier and state.
Please review all policy details carefully before purchasing.
Hearing Coverage — Addressing the Third Major Medicare Gap
Hearing loss affects millions of Americans — yet hearing care is one of the most inadequately covered areas in health insurance planning.
Original Medicare does not cover routine hearing exams or hearing aids. This leaves individuals facing significant out-of-pocket costs for hearing aids, which can range from $1,000 to $7,000 or more per pair, depending on the technology level required.
Medicare Advantage plans may offer some hearing discounts but these benefits are typically limited and vary significantly by plan. As with dental coverage, Medicare Advantage hearing benefits are lost when you change plans during the Annual Enrollment Period.
STAND-ALONE HEARING COVERAGE OPTIONS
Paradise Assured Insurance Agency offers several options to help address the hearing coverage gap:
Standalone hearing insurance — Provides benefits for hearing examinations and hearing aids, helping to significantly reduce out-of-pocket costs.
Dental plans with hearing aid discounts — Some stand-alone dental insurance plans include hearing aid discounts as a bundled benefit — providing meaningful savings on hearing aids as part of a comprehensive dental coverage package. This combination of dental and hearing benefits in one plan offers exceptional value for seniors who need both types of coverage.
Dental Vision and Hearing combined plans — Certain carriers offer a single combined plan covering dental, vision, and hearing in one policy — eliminating the need to purchase and manage three separate plans. This is a particularly convenient and cost-effective option for seniors seeking comprehensive coverage for all three areas that Medicare does not adequately cover.
Please contact Paradise Assured Insurance Agency to discuss current hearing coverage options available in your state as availability and plan designs vary by state and carrier.
Hospital Indemnity Insurance — Filling the Gaps Any Health Plan Leaves Behind
Hospital indemnity insurance is not just for Medicare beneficiaries. It is an excellent complement to any health insurance plan that carries out-of-pocket exposure — including ACA Marketplace plans, employer group health plans, and high-deductible health plans.
Regardless of the type of health coverage you carry, a hospital stay can result in significant deductibles, copays, and coinsurance that your primary insurance does not cover. Hospital indemnity insurance fills that gap by paying cash benefits directly to you when you are admitted as an inpatient for a covered stay.
THE HOSPITAL COST REALITY
According to recent studies, the average cost of one day in a hospital in the United States is $3,025 — and can reach as high as $4,337 per day in the highest cost states.
Consider these important statistics:
1 in 5 people age 65 and older will require a hospital stay this year. The average stay is 5 days.
1 in 5 emergency room admissions result in an unexpected medical bill — from ER physicians, ambulance services, anesthesiologists, labs, and pathologists.
70% of hospital patients age 65 and older will require post-acute care, such as in a skilled nursing facility, following their hospital stay.
Even with Medicare, Medicare Advantage, employer group health insurance, or an ACA Marketplace plan — deductibles, copays, and coinsurance can quickly create a serious financial burden during an already stressful time.
HOW HOSPITAL INDEMNITY INSURANCE WORKS
Hospital indemnity insurance pays cash benefits directly to you — not to the hospital — when you are admitted as an inpatient for a covered hospital stay. You choose how to use the benefit payments.
Common uses include:
Covering health insurance deductibles and copays that your primary coverage — whether ACA, employer, or Medicare — does not pay.
Replacing lost income during your recovery.
Paying ongoing household expenses — mortgage, rent, utilities, groceries — that continue regardless of your hospitalization.
Covering transportation costs, pet boarding, and other expenses that arise unexpectedly during a hospital stay.
Benefits are paid in addition to Medicare, ACA plans, employer health insurance, or any other coverage you have. There is no coordination of benefits and no reduction in payment based on what your other insurance pays.
KEY FEATURES
No provider networks — Choose any hospital or provider you feel is best for your care.
Benefits paid directly to you — You decide how to spend the benefit payment with no restrictions.
No waiting period — Benefits begin as soon as coverage is issued.
Daily or lump sum payment options — Daily benefit amounts or lump sum options available to fit your specific needs and budget.
Optional riders available — Skilled nursing facility coverage, home health care, outpatient surgery, ambulance and emergency room, cancer lump sum, outpatient therapy, major diagnostic testing, and prescription drug benefits can be added to expand your coverage.
Guaranteed renewable — Coverage cannot be cancelled due to changes in your health.
IMPORTANT STATE AVAILABILITY NOTICE
Hospital Indemnity insurance is currently NOT available in New York.
It is available to residents of Florida, Connecticut, Delaware, Tennessee, West Virginia, and Arizona.
New Jersey and Indiana availability may vary by carrier.
Please contact Paradise Assured Insurance Agency to confirm current availability in your specific state.
This is a limited benefit supplemental insurance plan. It is not a substitute for major medical health insurance, Medicare, or Medicare Supplement coverage. Benefits, availability, and plan features vary by state and carrier. Please review all policy details carefully before purchasing.
Critical Illness Insurance — Cancer, Heart Attack & Stroke Coverage
A serious illness diagnosis is not just a health crisis — it is a financial crisis. Even with comprehensive health insurance, the non-medical costs associated with a critical illness are rarely covered by any health plan.
Critical illness insurance is particularly valuable for individuals on high-deductible health plans. A catastrophic health event — a cancer diagnosis, heart attack, or stroke — can trigger the full deductible and maximum out-of-pocket costs of a high-deductible plan in a single year. A lump-sum critical illness benefit provides the cash needed to meet those costs without depleting savings or retirement accounts.
THE CRITICAL ILLNESS FINANCIAL REALITY
The statistics are sobering:
Two out of every five people will get cancer in their lifetime. It is estimated that the United States will see more than 2 million new cancer cases in 2025 alone.
In the first two years of cancer treatment, more than 40% of cancer patients spend their entire life savings.
Approximately 30% of Americans with a cancer history report having had issues paying medical bills, having to borrow funds, or filing for bankruptcy protection due to the high costs of treatment.
Almost two-thirds of all personal bankruptcies are caused by medical debt. Approximately every 40 seconds, an American has a heart attack or stroke. About half of Americans have at least one of the three primary risk factors for heart disease — high blood pressure, high cholesterol, and smoking.
THE HIDDEN COSTS OF A CRITICAL ILLNESS
Regular health insurance pays medical providers directly for covered medical treatments. But a serious illness diagnosis creates a category of expenses that health insurance does not cover:
Lost income — Time away from work during treatment and recovery can eliminate months of household income.
Ongoing living expenses — Mortgage or rent, utilities, groceries, and car payments continue regardless of your diagnosis or treatment status.
Travel to treatment facilities — Specialized cancer centers, cardiac facilities, and stroke rehabilitation programs may require significant travel and lodging costs.
Home care and childcare — Help at home during treatment and recovery is rarely covered by any health insurance plan.
Health insurance deductibles and copays — Even with good insurance, your out-of-pocket costs during intensive treatment can be substantial — particularly for those on high-deductible health plans where the full deductible must be met before coverage kicks in.
HOW CRITICAL ILLNESS INSURANCE WORKS
Critical illness insurance pays a one-time lump-sum cash benefit directly to you — not to the healthcare provider — upon the first diagnosis of a covered condition.
You decide how to use the benefit payment with no restrictions on how the funds are spent. Benefits are paid in addition to Medicare, ACA plans, employer health insurance, or any other coverage you have.
COVERAGE OPTIONS
Paradise Assured Insurance Agency offers three distinct critical illness coverage options, giving clients the flexibility to select the specific protection that best matches their personal health history and risk profile:
Critical Illness Insurance — covers a broad range of serious conditions, including cancer, heart attack, stroke, Alzheimer's disease, major organ transplant, blindness, paralysis, deafness, and kidney failure. Benefit amounts from $10,000 to $100,000.
Available as lifetime coverage or in term options of 10, 15, 20, or 30 years.
Cancer Insurance — a dedicated standalone plan providing a lump-sum benefit upon the diagnosis of internal cancer or malignant melanoma. Available with benefit amounts from $10,000 to $100,000.
Some cancer plans also offer a Cancer Recurrence Benefit — providing an additional lump-sum payment if cancer returns after a treatment-free period of two or more years. This recurrence benefit is a critically important feature for cancer survivors who face a real risk of a second diagnosis.
Heart Attack and Stroke Insurance — available both as a bundled plan covering heart attack and stroke conditions in one policy and as a standalone plan — giving clients the flexibility to select the specific coverage that best matches their personal health history and cardiac risk profile. Benefit amounts from $10,000 to $100,000. First-ever coronary artery bypass surgery and coronary angioplasty are covered at 25% of the selected benefit amount.
All three coverage options are available for individuals, single-parent families, couples, and full families. Plans are available as lifetime coverage or in term options of 10, 15, 20, or 30 years, depending on the product selected.
WHO SHOULD CONSIDER CRITICAL ILLNESS COVERAGE
Critical illness insurance is a valuable complement to virtually any health plan:
Individuals on high-deductible health plans — A lump-sum benefit covers the out-of-pocket exposure that a catastrophic diagnosis can trigger under a high-deductible plan before coverage kicks in.
Individuals on ACA Marketplace plans — ACA plans cover medical treatment, but do not replace lost income or cover non-medical expenses during a serious illness.
Individuals with employer health insurance — Even comprehensive employer coverage leaves gaps in income replacement and non-medical expenses during a critical illness.
Medicare and Medicare Supplement beneficiaries — Medicare pays for covered medical services, but does not replace lost income, cover travel to treatment facilities, or pay for home care and daily living expenses during recovery.
Anyone with a personal or family history of cancer, heart disease, or stroke — family history is one of the strongest predictors of risk for all three of the most common critical illness diagnoses.
Paradise Assured Insurance Agency offers critical illness, cancer, and heart attack/stroke insurance to clients throughout New York, Florida, New Jersey, Connecticut, Arizona, Tennessee, Indiana, Delaware, and West Virginia.
Coverage availability and plan features vary by state and carrier.
This is a limited benefit supplemental insurance plan. It is not a substitute for major medical health insurance or Medicare. A lump-sum benefit is paid upon first diagnosis of a covered condition, subject to the terms, conditions, waiting periods, and exclusions of the specific policy.
Benefits, covered conditions, availability, and plan features vary by plan and state. Please review all policy details carefully before purchasing.
ACA Health Insurance — Individual & Family Major Medical Coverage
For individuals and families who need individual major medical health insurance coverage, Paradise Assured Insurance Agency offers ACA health insurance enrollment assistance in New York and Florida — helping clients navigate one of the most complex purchasing decisions in personal financial planning.
The Affordable Care Act — commonly known as the ACA — created health insurance Marketplace plans that provide major medical coverage for individuals and families under age 65 who do not have access to adequate employer-sponsored health insurance.
Paradise Assured Insurance Agency currently offers ACA health insurance enrollment assistance in two states:
New York — through the New York State of Health Marketplace
Florida — through the Federal Health Insurance Marketplace
WHO BENEFITS FROM ACA HEALTH INSURANCE
ACA health insurance is designed for individuals and families who:
Do not have employer-sponsored health insurance available to them — either because their employer does not offer coverage or because they are self-employed, a freelancer, or a small business owner.
Have a family member who has aged out of a parent's employer health plan — young adults who reached age 26 and are no longer eligible to remain on a parent's group health insurance plan.
Are between jobs — individuals who have lost employer-sponsored health coverage and need individual coverage while transitioning.
Are early retirees — individuals who have retired before age 65 and are not yet eligible for Medicare.
Have employer coverage available, but find it unaffordable or inadequate for their household needs.
UNDERSTANDING ACA PLAN COMPLEXITY
ACA health insurance can be confusing, and the stakes of choosing the wrong plan are significant. The right plan depends on multiple factors that vary by person, household, and county:
Doctor and hospital networks — ACA plans have specific provider networks.
It is critical to confirm that your preferred doctors, specialists, and hospitals are in-network before selecting a plan. Networks vary significantly by county and by carrier.
County-specific plan availability — The plans available in one county may be completely different from those available in a neighboring county.
Paradise Assured helps you navigate the specific options available in your exact location.
Premiums — Monthly premium costs vary based on your age, location, household size, and the level of coverage you select.
Government subsidies — Premium Tax Credits are available to individuals and families whose household income falls within certain ranges. The amount of subsidy you qualify for depends directly on your reported income. Choosing the wrong plan or misunderstanding subsidy eligibility can cost you thousands of dollars per year. Paradise Assured Insurance Agency helps you determine your subsidy eligibility and maximize your available Premium Tax Credit.
Deductibles and maximum out-of-pocket — ACA plans vary significantly in their deductibles and maximum out-of-pocket limits. A lower premium plan may carry a much higher deductible — meaning you pay significantly more before insurance covers your costs.
Understanding the true total cost of each plan — not just the monthly premium — is essential to making the right choice.
Plan levels — ACA plans are categorized as Bronze, Silver, Gold, and Platinum — representing different balances between monthly premium costs and out-of-pocket costs. Paradise Assured helps you understand which plan level is right for your specific health needs and financial situation.
ACA PLANS AND SUPPLEMENTAL COVERAGE
One important consideration that many ACA enrollees overlook is the gap between what their ACA plan covers and their true out-of-pocket exposure in the event of a serious illness or hospitalization.
ACA plans — particularly Bronze and Silver level plans — often carry high deductibles and significant maximum out-of-pocket limits. A hospital stay, cancer diagnosis, heart attack, or stroke can trigger thousands of dollars in out-of-pocket costs even with a solid ACA plan in place.
Paradise Assured Insurance Agency helps ACA enrollees evaluate supplemental coverage options — including hospital indemnity insurance and critical illness insurance — that complement their ACA plan and provide cash benefits to cover the out-of-pocket exposure their Marketplace plan does not eliminate.
Additionally, stand-alone dental and vision insurance plans are an important complement to ACA coverage, as most ACA Marketplace plans do not include meaningful dental or vision benefits for adults.
IMPORTANT NOTE
ACA health insurance enrollment assistance is currently available through Paradise Assured Insurance Agency in New York and Florida only.
If you reside in one of our other licensed states — New Jersey, Connecticut, Arizona, Tennessee, Indiana, Delaware, or West Virginia — we can provide guidance on navigating your state or federal Marketplace directly. Contact us for assistance.
Paradise Assured Insurance Agency charges no direct fee for ACA health insurance enrollment consultations. Our compensation is provided by the insurance carrier upon the successful placement of a policy and payment of the premium.
Our Complete Health & Supplemental Insurance Services
Paradise Assured Insurance Agency offers a comprehensive range of health and supplemental insurance services to individuals, families, and seniors across all 9 states we serve:
Stand-Alone Dental Insurance — We compare individual dental PPO plans from multiple carriers to find the most appropriate dental coverage for your needs — including plans with hearing aid discounts bundled in and combined dental, vision, and hearing plans in a single policy.
Vision Insurance — We compare individual vision plans from multiple carriers providing access to large provider networks, annual eye exams, eyeglass and contact lens coverage, and additional savings on lens enhancements and LASIK procedures.
Hearing Coverage — We offer standalone hearing insurance and dental plans with bundled hearing aid discounts to help address the hearing coverage gap that Medicare and most health plans leave behind.
Hospital Indemnity Insurance — We design hospital indemnity coverage that pays cash benefits directly to you during a hospital stay — helping cover deductibles, copays, lost income, and household expenses that continue during your recovery. An excellent complement to ACA plans, employer health plans, Medicare, and high-deductible health plans. Available in Florida, Connecticut, Delaware, Tennessee, West Virginia, and Arizona. Not currently available in New York.
Critical Illness Insurance — We offer critical illness, cancer, and heart attack/stroke insurance, providing lump-sum cash benefits upon the diagnosis of a covered condition — giving you the financial flexibility to focus on your recovery, not your finances. Available as stand-alone cancer insurance, stand-alone heart attack and stroke insurance, or as a combined critical illness plan covering a broad range of serious conditions. Cancer recurrence benefit options are available.
ACA Health Insurance — We provide ACA Marketplace enrollment assistance in New York through New York State of Health and in Florida through the Federal Marketplace — helping individuals and families under age 65 navigate plan options, understand subsidy eligibility, and select the right plan for their specific health needs and budget.
Paradise Assured Insurance Agency charges no direct fee for health and supplemental insurance planning consultations. Our compensation is provided by the insurance carrier upon the successful placement of a policy and payment of the premium.
Health & Supplemental Insurance — States We Serve
Paradise Assured Insurance Agency provides health and supplemental insurance services to individuals and families throughout:
New York — ACA health insurance through New York State of Health. Dental, vision, hearing, and critical illness coverage available. Hospital Indemnity not currently available in New York. Serving New York City, Buffalo, Rochester, Yonkers, Syracuse, Albany, White Plains, Long Island, Westchester County, Hudson Valley, and all of New York State.
Florida — ACA health insurance through the Federal Marketplace. Dental, vision, hearing, hospital indemnity, and critical illness coverage are available. Serving Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, Boca Raton, West Palm Beach, Naples, Sarasota, Fort Myers, and all of Florida.
New Jersey — Dental, vision, hearing, and critical illness coverage available. Hospital Indemnity availability may vary by carrier — please contact us for current status. Serving Newark, Jersey City, Paterson, Elizabeth, Edison, Toms River, Trenton, Cherry Hill, and all of New Jersey.
Connecticut — Dental, vision, hearing, hospital indemnity, and critical illness coverage available. Serving Bridgeport, New Haven, Hartford, Stamford, Waterbury, Norwalk, Danbury, Greenwich, and all of Connecticut.
Arizona — Dental, vision, hearing, hospital indemnity, and critical illness coverage available. Serving Phoenix, Tucson, Mesa, Chandler, Scottsdale, Glendale, Gilbert, Tempe, Sun City, and all of Arizona.
Tennessee — Dental, vision, hearing, hospital indemnity, and critical illness coverage available. Serving Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Franklin, and all of Tennessee.
Indiana — Dental, vision, hearing, and critical illness coverage available. Hospital Indemnity availability may vary by carrier — please contact us for current status. Serving Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, Fishers, Bloomington, and all of Indiana.
Delaware — Dental, vision, hearing, hospital indemnity, and critical illness coverage available. Serving Wilmington, Dover, Newark, Middletown, Smyrna, and all of Delaware.
West Virginia — Dental, vision, hearing, hospital indemnity, and critical illness coverage available. Serving Charleston, Huntington, Morgantown, Parkersburg, Wheeling, and all of West Virginia.
All consultations are available by phone or virtually at your convenience. No office visit is required.
Frequently Asked Questions — Health & Supplemental Insurance
Q: Does Medicare cover dental, vision, and hearing?
A: Original Medicare does not cover routine dental care, routine vision exams, eyeglasses, contact lenses, or hearing aids. These are significant coverage gaps that leave many Medicare beneficiaries paying entirely out of pocket. Some Medicare Advantage plans offer limited dental and vision benefits, but these benefits are typically restricted, vary by plan and county, and are lost when you change Medicare plans. Stand-alone individual dental, vision, and hearing plans provide more meaningful and portable coverage that stays with you regardless of any changes to your Medicare coverage.
Q: Are dental and vision plans only for seniors?
A: Not at all. Stand-alone dental and vision insurance plans are valuable for individuals and families of all ages. Many employer health plans that include dental or vision benefits carry significant limitations — restricted networks, low annual maximums, limited coverage for major dental services, no orthodontic coverage for families with children, and low frame allowances for vision. Stand-alone plans can supplement inadequate group coverage or provide meaningful benefits for those without any dental or vision coverage at all.
Q: What is the advantage of a stand-alone dental plan versus employer or Medicare Advantage dental?
A: Stand-alone individual dental plans are portable — they stay with you even if you change employers or Medicare Advantage plans. They typically offer higher annual maximums, broader coverage for major dental services, and orthodontic benefits for families with children that employer plans frequently exclude. Some stand-alone dental plans also include hearing aid discounts as a bundled benefit. Stand-alone dental plans treat your claim as primary with no reduction in benefits based on other coverage you may have.
Q: What does hospital indemnity insurance cover, and who should consider it?
A: Hospital indemnity insurance pays cash benefits directly to you when you are admitted to a hospital as an inpatient for a covered stay. You use the benefits however you choose — to cover deductibles, copays, lost income, household expenses, or any other costs that arise during your hospitalization. Benefits are paid in addition to whatever health coverage you have — Medicare, ACA, employer, or otherwise. Hospital indemnity is an excellent complement to any health plan that carries out-of-pocket exposure — particularly ACA plans, high-deductible health plans, and Medicare Advantage plans with copays. Please note that hospital indemnity insurance is not currently available in New York.
Q: What does critical illness insurance pay for?
A: Critical illness insurance pays a one-time lump-sum cash benefit directly to you upon the first diagnosis of a covered critical illness such as cancer, heart attack, or stroke. You decide how to use the benefit — it can be used for any purpose, including lost income, living expenses, travel to treatment facilities, home care, or out-of-pocket medical costs not covered by your health insurance. It is particularly valuable for individuals on high-deductible health plans where a catastrophic diagnosis can trigger significant out-of-pocket costs before coverage kicks in.
Q: What is a Cancer Recurrence Benefit?
A: Some cancer insurance plans offer a Cancer Recurrence Benefit — an additional lump-sum payment if cancer returns after a treatment-free period of two or more years. This is an important feature for cancer survivors who face a real risk of a second diagnosis. The recurrence benefit amount increases the longer the treatment-free period — recognizing that a sustained remission followed by recurrence represents a renewed financial challenge. Please contact Paradise Assured Insurance Agency to discuss cancer insurance plans that include recurrence benefit options.
Q: What is ACA health insurance, and who qualifies?
A: The Affordable Care Act created health insurance Marketplace plans providing major medical coverage for individuals and families under age 65 who do not have access to adequate employer-sponsored health insurance. Plans are available regardless of pre-existing conditions. Government subsidies in the form of Premium Tax Credits may be available based on your household income. Paradise Assured Insurance Agency currently offers ACA enrollment assistance in New York through New York State of Health and in Florida through the Federal Marketplace.
Q: Can Paradise Assured help me if I live outside New York or Florida?
A: Yes. For supplemental health coverage, including dental, vision, hearing, hospital indemnity where available, and critical illness — Paradise Assured Insurance Agency serves clients in New York, Florida, New Jersey, Connecticut, Arizona, Tennessee, Indiana, Delaware, and West Virginia. ACA health insurance enrollment assistance is currently available in New York and Florida only.
Ready to Fill Your Health & Supplemental Insurance Gaps?
Paradise Assured Insurance Agency helps individuals, families, and seniors identify and fill the gaps in their health insurance coverage — from stand-alone dental, vision, and hearing coverage to hospital indemnity, critical illness, and ACA health insurance enrollment assistance.
Whether you are a senior navigating the dental, vision, and hearing gaps that Medicare leaves behind, an individual or family on a high-deductible health plan concerned about catastrophic out-of-pocket exposure, an ACA enrollee looking to complement your Marketplace plan with supplemental coverage, or anyone without adequate dental or vision benefits — we are here to help.
Our licensed advisors are available by phone or virtually at your convenience. No office visit is required.
Andrew M. Lax and the Paradise Assured team look forward to helping you build a health and supplemental insurance strategy designed to protect your health and your financial security.
Paradise Assured Insurance Agency charges no direct fee for health and supplemental insurance planning consultations. Our compensation is provided by the insurance carrier upon the successful placement of a policy and payment of the premium.
Curious about how Paradise Assured works with clients? Visit our Process page to learn more about our discovery and planning approach.