Health & Supplemental Insurance
Covers Everything Your Primary Plan Doesn't — Zero Gaps in Your Coverage
Your employer plan or marketplace policy was never designed to cover everything. ShieldPoint supplemental coverage seamlessly fills every gap your primary insurer leaves behind — so you are never caught paying out of pocket for something you thought was covered.
Fill My Coverage GapsWhy Your Current Health Plan Isn't Enough
Even the best health insurance plans leave significant out-of-pocket exposure. Deductibles, copays, coinsurance, and uncovered services add up fast. The average American family faces $4,800 in uncovered medical costs every year. ShieldPoint changes that.
Every Gap. Covered.
Hospital Indemnity
Cash paid directly to you for every day you're hospitalized — regardless of what your primary plan pays. Use it for your deductible, lost income, or daily expenses.
Critical Illness
A lump-sum payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions. The money is yours — no restrictions on how you spend it.
Accident Coverage
Emergency room visits, fractures, dislocations, and follow-up care — covered the moment an accident happens, no questions asked.
Dental & Vision
Routine cleanings, major dental work, prescription lenses, and eye exams — the everyday coverage most health plans skip entirely, now fully covered.
Mental Health
Therapy sessions, psychiatric care, and mental wellness programs — covered without the session limits or high copays that block so many from getting help.
Prescription Gap
Specialty drugs, brand-name medications, and treatments your formulary doesn't cover — ShieldPoint fills the prescription gap your plan ignores.
How It Works With Your Existing Coverage
ShieldPoint is designed to sit on top of any primary health plan — employer-sponsored, ACA marketplace, Medicare, or Medicaid. Our coordination of benefits engine automatically identifies what your primary plan doesn't cover and fills the gap.
You never have to file two claims or worry about what's primary. ShieldPoint handles the coordination automatically, so you get paid fast.
- ✓ Works alongside any primary insurer
- ✓ No network restrictions — see any doctor
- ✓ Claims paid within 48 hours on average
Your Coverage Stack
Stop Paying Bills You Thought Were Covered
Medical debt is the leading cause of personal bankruptcy in America — and most of it is from people who thought they were insured. ShieldPoint closes that gap permanently. Get covered today.
Close My Coverage Gaps Now