Kivulink
The coverage your medical plan leaves out.
Most health plans cover very little dentistry, no glasses, and nothing for the days you cannot work. These fill those gaps, and they can be bought on their own without changing the plan you already have.
Four gaps, four fixes.
Cleanings and check-ups, fillings and extractions, and the larger work most medical plans exclude entirely. Standalone, so it does not depend on who covers your health.
The yearly eye exam, and an allowance towards glasses or contacts. The exam is what catches diabetes and blood-pressure damage early, which is why it is worth having even if your sight is fine.
Pays you directly when something lands you in hospital, on top of whatever your medical plan pays the hospital. The money is yours: rent, childcare, the wages you did not earn that week.
A fixed amount per day or per incident. Often the most useful coverage for someone on a high-deductible plan, because it pays before the deductible is met.
Small groups from three employees.
We hold a direct Aflac contract for groups of 3 to 49 employees.
Supplemental coverage is usually the first benefit a small business can afford to offer, because the employee can carry most or all of the premium and it still reads as a benefit worth staying for.
We will sit with your team, explain what each product does in their own language, and enroll whoever wants it. Nobody is signed up by default.
Ask about a groupThree steps, same as everything else.
- 01
Tell us what is missing
Whether you have a medical plan already, and what it does not cover.
- 02
We compare
Delta Dental, Cigna, Ameritas, Allstate Health Solutions and Aflac, side by side, on what each pays out.
- 03
You choose
Every waiting period and exclusion explained before you sign. These products have both, and you should know them.
Benefits, waiting periods and exclusions vary by product, state and age, and are set by the carrier. Nothing here is a quote or an offer. Supplemental policies pay in addition to your medical plan; they are not a substitute for it and they are not minimum essential coverage.
Dental, vision and supplemental carriers we hold 4+
Also Aflac and more.
One application is rated by all of them. Appointments vary by state and no carrier writes every product everywhere. See the full network.
Written and reviewed by Innocent Muvunyi, Licensed Insurance Agent.
NPN 22182172. AHIP certified, CMS FFM registered.
Last reviewed .
Check this licence with the Texas Department of Insurance.