Medical - Provides benefits for expenses incurred as a result of in-hospital medical treatment and surgery as well as doctor’s visits, laboratory tests, presciptions and diagnostic services. You may need this in order to protect you and your family from the risk of medical expenses.
Dental - Provides benefits for preventive maintenance (e.g. cleanings and x-rays), repair (e.g. fillings or root canals), and replacement of teeth. You may need this in order to cover the costs of dental maintenance and oral surgery.
Vision - Typically provides benefits for eye exams, eye glasses and contact lenses. Some plans may also provide benefits for corrective procedures. You may need this because your medical policy may not provide coverage for these items.
Long Term Care - Refers to the broad range of medical and personal services for individuals who need assistance with daily activities for extended periods of time. You may need this if you want to protect your personal assets from costs associated with extended periods of care.