Major medical insurance covers doctor visits and hospital stays, but everyday health needs like dental and vision care—including cleanings, exams, and glasses—often get left behind. We connect you with affordable supplemental health plans to protect your health, your smile, and your budget.

Comprehensive Dental and Vision Care: Our dental coverage options help pay for preventive cleanings, routine checkups, fillings, and major restorative services like crowns and implants. Pair that with vision insurance to cover annual eye exams, prescription lenses, frames, and contact lenses.
Hospital Indemnity & Critical Illness Protection: High deductibles and copays shouldn't stand between you and a full recovery. Supplemental health plans pay lump-sum cash benefits directly to you during hospital admissions, surgeries, or unexpected critical illness diagnoses—helping you cover daily expenses or out-of-pocket medical bills.
Many employer plans, Medicare options, or basic individual health policies feature coverage gaps or high deductibles. As an independent broker, I specialize in finding affordable health insurance add-ons and supplemental policies that bridge those financial gaps without stretching your monthly budget.
Supplemental health plans are ideal if you:
• Are enrolled in Original Medicare or a Medicare Advantage plan and need dedicated dental, vision, and hearing benefits.
• Have a high-deductible health plan and want a financial buffer against sudden hospital stays or outpatient surgeries.
• Want direct-to-consumer cash payouts to protect against out-of-pocket expenses during serious medical events.
Licensed Professional: Matt Neelley | NPN: 21650480
Disclaimer: Supplemental plans provide limited benefits and are not substitutes for comprehensive major medical coverage. Product availability, waiting periods, and policy exclusions vary by state and carrier.
Matt Neelley, Licensed Life & Health Insurance Broker
NPN (License): 21650480 | Gilbert, AZ
Medicare Disclosure: We do not offer every plan available in your area. Currently we represent multiple organizations which may offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Agency Disclaimer: Your Guardian Life LLC is an independent insurance agency and is not affiliated with, endorsed by, or connected to the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), the Department of Veterans Affairs (VA), or the Social Security Administration. Hospital indemnity and supplemental plans are separate, standalone insurance policies that provide fixed cash benefits; they are not major medical health insurance and do not replace Medicare coverage. Product availability, features, and rates vary by state and carrier.
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