Supplemental Health Policies

What this video covers

• Matching dental, vision, specified-disease, critical-illness, hospital-indemnity, and accident coverage to the specific need and benefit trigger each addresses
• Explaining accidental death and dismemberment (AD&D) schedules and why scheduled losses, not medical bills or lost wages, determine benefits
• Distinguishing pediatric oral and vision essential health benefits from adult dental and vision benefits
• Calculating employee costs when employers contribute a percentage or flat amount toward worksite premiums
• Separating short-term medical from Marketplace major-medical coverage, including pre-existing-condition protections and state-specific rules
• Applying dental deductibles, payment percentages, and remaining benefit limits in order, then calculating a vision allowance and discount
• Identifying calendar-year and rolling limits, frequency caps, enrollment conditions, hospital confinement definitions, and critical-illness waiting-period timing