Critical Illness, Dental & Vision, Short Term


Ancillary products are additional insurance services that your primary health insurance doesn't cover.

Reach out to Ralph D. Hardebeck Insurance Services with any questions.

Critical Illness

Critical illness insurance helps cover medical expenses that your primary health insurance won't. Being diagnosed and going through treatment for serious illnesses like cancer, stroke, heart attack, Parkinson's, and more can be costly. Critical illness insurance is paid to you and can be used to cover deductibles, treatments, and more.

Dental and Vision


"An ounce of prevention is worth a pound of cure." It's an old saying that is still applicable today, especially when it comes to dental health. Did you know that dental health is strongly tied to overall health? While not many people love a visit to the dentist, regular checkups and cleanings can prevent costly issues later. That crown or root canal will be a little more comfortable with dental insurance to help with the costs.

Dental plans generally cover regularly scheduled checkups, cleanings, fillings, and X-rays.


Eye exams can be monumental to keeping track of your health. Did you know eye exams can help detect a myriad of health conditions, including high blood pressure, high cholesterol, and more?

Vision insurance plans complement health insurance because preventive eye care is essential to overall health. With screens being an everyday part of modern life, it's not a surprise your eyes may be feeling stressed or fatigued. These plans cover routine eye examinations and can help to pay for corrections such as glasses, frames, and contact lenses. Vision problems are the fourth most prevalent disability in the United States and one of the most prevalent conditions in childhood. Regular eye examinations are also important for general health because they can detect diseases like glaucoma and diabetes.

Hospital Indemnity

No one ever plans to be hospitalized. Unfortunately, it happens, and when it does, are we ever prepared for the list of fees that come with it? While your medical insurance may help to cover your hospital bills, it may not cover all of the costs associated with a hospital stay, such as deductibles and co-pays, transportation, and lodging. Hospital indemnity insurance can help you to find relief from the cost of hospitalization.

Short Term Health Insurance

Short term health insurance is a great way for people to fill gaps in insurance coverage without sacrificing healthcare services. They offer a range of deductibles that help to make it easy to find the right benefits at the right price. If you've missed the deadline for open enrollment or you just can't afford the premiums and deductibles that come with a traditional health insurance policy, then short term coverage might be a good alternative for you.

These plans are for people in a transitional phase of life. Whether you've changed jobs and need something to fill the gap between employer-sponsored coverage, you've just graduated college or been dropped from your parent's plan, or you've retired early but don't qualify for Medicare yet, this type of plan could be perfect for you.