You can enroll in a supplemental insurance plan at any time. There may be a waiting period for your coverage to begin or before some benefits can be accessed, so be sure to check the benefit details when you choose your plan.
You may think about choosing supplemental coverage when:
Your coverage through your employer doesn’t include coverage for dental or vision
You’re buying your own medical plan and want to fill in your coverage, like dental or vision
You want cash-benefit coverage to protect yourself in case of unexpected medical bills
You have a Medicare plan and want to add supplemental plans to complete your coverage