Kansas Supplemental Health Insurance - Southern Plains Insurance Group

Supplemental Insurance Types

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Dental & Vision
Insurance Plans in Kansas

Although regular vision and dental exams help keep our eyes and teeth healthy, Medicare, ACA Marketplace health insurance, and many Kansas health plans don’t cover eye doctor or dentist visits for adults.

Most Kansas dental plans cover routine preventive care like x-rays and cleanings, as well as more expensive procedures such as root canals, braces or dental surgery.

Vision insurance can help cover the cost of eye exams, glasses, or contact lenses. Both types of insurance can save you money on your out-of-pocket costs.

Find the Best Dental & Vision Plans

With so many dental and vision insurance plans available in Kansas, it can be difficult to know which one is right for you.

At Southern Plains Insurance Group, we understand that everyone’s needs are different. As an insurance broker, we have access to a variety of individual and family policies. We’ll help you find vision and dental insurance with affordable premiums and the benefits you need to minimize your out-of-pocket costs.

Speak with a Southern Plains Insurance Group specialist for a personalized quote on combined vision and dental insurance.

  • One insurance policy for both dental and vision care
  • No networks
  • No deductibles for dental cleanings
  • No deductibles for eye exams
  • No waiting period for checkups

Limitations and exclusions apply.

Accident Insurance
in Kansas

Consider this: If you were in a serious car accident or had a severe accidental injury, could you afford it?

Your health insurance benefits could quickly be exhausted by an ambulance ride, emergency treatment, surgery and a hospital stay.

If you need to go to a rehabilitation facility for your recovery, most medical insurance plans won’t cover it. And if the worst were to happen, your health insurance isn’t going to pay for a funeral.

Your insurance company will require you to pay your regular copays and deductibles in addition to the medical expenses that aren’t covered by your primary insurance policy.

When all is said and done, the out-of-pocket costs for you or your family could quickly become overwhelming.

Fortunately, we can help.

Even if you have major medical coverage, Southern Plains Insurance Group can help you find the best accident health insurance policy in Kansas.

What is
Accident Insurance?

Accident insurance is a type of policy that pays you cash if you die or become injured as the result of a covered accident. It may also be called accidental death insurance, accidental death & dismemberment or accident expense insurance.

You can use the cash to cover medical bills, regular monthly bills and other out-of-pocket expenses.

Get peace of mind that your credit rating and your savings will be protected.

How Does it Work?

When you’re involved in a covered accident, your accident insurance benefits are paid in cash directly to you. You may receive one lump sum payment or multiple payments for severe injuries, depending on your policy. In the case of death, your beneficiary will receive the payment(s).

Accident insurance policies are paid out in addition to any other benefit you receive from a life, health or auto insurance policy.

You may use this cash payment as you see fit, from paying for living expenses to covering hospital bills, deductibles, copays or other out-of-pocket medical costs.

If you miss work due to your injury, your accident insurance benefit can help you cover lost wages.

You can rest assured that funds will be available to pay your mortgage, cover the monthly bills and even buy groceries.

With Southern Plains Insurance Group, it’s easy to find the best accident insurance plan for your needs in Kansas. Get started online today or speak to a specialist.

Home Health Insurance
in Kansas

Although home health care services help people live independently for as long as possible, unfortunately they’re not covered by most health insurance plans.

Southern Plains Insurance Group is here to help you find the best home health insurance policy in Kansas for your needs.

What Is
Home Health Insurance?

Home health insurance, also called long-term care insurance, is a type of policy that covers in-home health services that health insurance or Medicare typically don’t. Examples include physical therapy, intermittent skilled nursing care and non-medical assistance.

You can use your benefits for services like wound care, bandage changes, medication administration, monitoring vital signs and more. Assistance with activities of daily living like dressing or bathing are usually covered, too. These services may take place over a long period of time, and the recipient does not have to be homebound to receive benefits.

Who Is
This Coverage For?

Home health is often considered a senior care service, but the truth is people of any age could benefit from a long-term care insurance policy. Home health insurance policies are most often purchased by people in their mid-50s or older who want to live independently as long as they can.

Being able to receive both medical and non-medical services at home allows people to age in place so they can avoid nursing homes and assisted living facilities longer.

For patients with disabilities, dementia, cancer, stroke or terminal illness, home health insurance may allow them to receive treatments in their homes instead of traveling to doctor’s offices.

Home health insurance may also allow someone to recover at home from an accident, severe illness or serious injury with in-home therapy and nursing services rather than a lengthy hospital stay.

What About Medicare
Home Health Care Benefits?

Anyone age 65 or older may be eligible to receive limited coverage for in-home health care through Medicare Parts A and B.

However, home health benefits for Medicare and Medigap can only be used to cover short term medically necessary care.

Medicare Home Health Coverage Requirements:

  • Must be homebound
  • Care must take place over a short period of time
  • Services must take place infrequently
  • Part-time skilled nursing care may be covered
  • Certain therapies may be covered

Medicare Doesn’t Cover Home Health Care For:

  • Those who aren’t homebound
  • Frequent, ongoing services are needed
  • Personal care services (cleaning, laundry, bathing, etc.)
  • 24-hours a day in-home care

Plan Features

  • No deductibles
  • Daily benefit up to $150
  • Paid in addition to other insurance, including Medicare

Not Sure Which Plan You Need?
Speak to a Specialist

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