Hassle-Free Health Coverage: Cancer & Other Coverages

If you want a little more coverage than a standard policy offers, you can purchase -- as a stand-alone policy or combined coverage -- a number of alternative coverages to fill in the gaps in traditional health insurance.

Accidental Death & Dismemberment riders cover you for the severance of arms, legs, or the loss of vision as a result of an injury or accident.

Individual dental coverage -- typically not provided by insurance companies -- can be purchased separately for maintenance (cleanings, x-rays), repair (fillings, root canals) and replacement of teeth.

If you or someone in your family has a chronic disease or disability, you might want to purchase long-term care insurance to cover a wide range of care services, including nursing home care, home-based care, and respite care.

There are also a variety of special insurance policies that provide a limited amount of coverage -- including, travel accident insurance, specified disease or dread disease insurance, hospital income insurance, accident-only insurance, blanket insurance, etc.

One optional coverage that may be well its worth is prescription medication coverage. This will cover the costs of medication required, in lieu of a stated cost -- usually two, three, or five dollars.