Ancillary Insurance Plans for Individuals and Families
Explore the ancillary and supplemental plans available through All Solution Plus. Compare options across a range of respected carriers, see how each type of cover actually works, and have a licensed agent beside you for guidance and enrolment support.
Supplemental cover that fills the gaps in your main plan
Every ancillary plan offered through All Solution Plus, collected in one place. From here you can reach the things that matter day to day — member portal sign-in, premium payment links, and direct contact details for each insurance company. Managing a supplemental policy should not take an afternoon, so we have put the practical details where you can actually find them.
Ancillary cover works alongside your primary health plan rather than replacing it. Where a deductible, a co-pay, or a hospital stay leaves you out of pocket, these plans pay cash benefits directly to you. All Solution Plus works with licensed agents across 48 states, so whichever supplemental cover fits your situation, there is someone nearby who can explain the trade-offs before you commit.
Types of ancillary cover
Ancillary plans are built to sit alongside your main policy. Which combination makes sense depends on your deductible, your health, and how much risk you are comfortable carrying yourself.
Accident insurance
A lump-sum cash benefit after a covered injury — useful when an emergency room visit lands on top of a high deductible.
Critical illness cover
Pays out on diagnosis of a covered condition such as cancer, heart attack, or stroke. The money is yours to spend as you choose.
Hospital indemnity
A fixed daily or per-admission benefit for inpatient stays, which helps with the costs a major medical plan leaves behind.
Short-term medical
Bridge cover between plans — between jobs, waiting for a Marketplace start date, or outside Open Enrollment. Not ACA-compliant, and availability and permitted length vary by state.
Dental and vision add-ons
Standalone cover for routine cleanings, glasses, and contacts where your main plan offers little or nothing.
Disability income
Replaces part of your income if illness or injury keeps you out of work for an extended period.
What you will find on every carrier page
Each carrier we work with has its own page collecting the practical details clients ask us for most.
Member portal access
Sign in to track claims, download policy documents, and see what your supplemental plan has paid out.
Premium payments
Direct links to pay your premium, switch on autopay, or confirm a payment has cleared.
Carrier phone support
Verified numbers for claims and billing, so you reach the right team first time.
Policy documents
Benefit schedules, payout tables, and exclusions for the plan you actually hold.
Common questions
Can ancillary cover replace a main health plan?
No. Ancillary plans supplement major medical cover, they do not substitute for it. Short-term medical in particular is not ACA-compliant and will not satisfy Marketplace requirements.
How do payouts actually work?
Most ancillary plans pay a fixed cash benefit directly to you rather than to a provider. You can put it towards a deductible, rent, childcare, or anything else.
Can I enrol at any time?
Generally yes. Unlike Marketplace cover, most supplemental plans are not tied to Open Enrollment, though some carriers apply waiting periods or health questions.
Will pre-existing conditions be covered?
It varies by carrier and product. Many supplemental plans exclude pre-existing conditions for an initial period. Your agent can walk you through the specific exclusions before you enrol.
Does enrolling through an agent cost extra?
No. You pay the same premium you would going direct to the carrier. Carriers compensate us, so our guidance costs you nothing.
Not sure which cover you actually need?
Tell us your deductible, your household, and what you are worried about paying for. A licensed agent will show you which supplemental plans are worth it in your situation — and which are not.
All Solution Plus is a licensed insurance agency. We do not offer every plan available in your area. Carrier availability, plan benefits, premiums, waiting periods, and eligibility requirements vary by state. Ancillary and short-term products are not ACA-compliant major medical coverage, do not satisfy Marketplace requirements, and may exclude pre-existing conditions. Short-term medical is restricted or unavailable in some states, and permitted duration differs by state. Any information we provide is limited to the plans we offer — to review every option available to you, contact HealthCare.gov or your state Marketplace.