Ancillary Coverage
Medicare has gaps. Vision, hospital indemnity, and other supplemental coverages fill those gaps — and William can help you compare options at no cost.
Your Independent Medicare Broker
William Gray
Founder of The Medicare Dude · Licensed Since 1998 · Independent Medicare Broker
"Very Knowledgable and personable! William made a seemingly difficult transition easy and seamless. I appreciated his unbiased opinion and personalized what was best for me. He took great care in listening to my concerns. I never felt rushed and felt he took a personal interest in assisting me to make the best choice. Not one of those "Big box" sales as seen on TV. Highly recommend William."
Sharon H
Medicare client
5 ★ · 83 reviews
What Medicare Doesn't Cover
Original Medicare (Parts A and B) covers hospital care, doctor visits, and many medical services — but it has notable gaps. Routine dental and vision care are not covered. Neither are eyeglasses or most dental work.
Medicare Supplement (Medigap) plans fill the cost-sharing gaps in Original Medicare, but they don't add dental or vision benefits. Some Medicare Advantage plans include these extras, but coverage varies widely by plan and ZIP code.
Ancillary coverage fills these gaps with standalone plans designed specifically for Medicare beneficiaries. William is appointed with multiple ancillary carriers and can compare options based on your needs and budget.
Dental Insurance
Original Medicare does not cover routine dental care — no cleanings, no fillings, no crowns, no dentures. A standalone dental insurance plan fills that gap. William has a dedicated guide covering plan types, no-waiting-period options, and how to compare and enroll.
Dental Insurance GuideOther Coverage Types
Vision Insurance
Medicare covers medically necessary eye exams (e.g., for glaucoma or diabetic retinopathy) but not routine eye exams or eyeglasses. Standalone vision plans fill that gap.
Some Medicare Advantage plans include vision benefits.
Hospital Indemnity
Pays a fixed daily benefit for each day you're hospitalized. Helps cover out-of-pocket costs that Medicare and Medigap don't fully offset — especially useful with Medicare Advantage plans that have per-day hospital copays.
Particularly valuable for Medicare Advantage enrollees.
Cancer & Critical Illness
Pays a lump sum or per-treatment benefit if you're diagnosed with cancer or another covered critical illness. Helps cover non-medical costs like transportation, lodging, and lost income during treatment.
Underwriting applies — best to enroll when healthy.
Final Expense / Life Insurance
Whole life insurance designed to cover funeral and burial costs. Simplified underwriting — no medical exam required for most plans. Premiums are fixed and coverage is permanent.
Available to most applicants regardless of health history.
What Clients Say
"I contacted William to assist my wife and I after moving to Florida from another state. He contacted us immediately and scheduled a phone appointment for the following week. We spent about an hour getting to know each other and our needs. He recommended several companies to match our needs and our location here in FL that we would NEVER had figured out on our own. Praise the Lord for Bill and for his help!! I would recommend him to anyone and everyone!!"
Jim M.
Medicare client · Verified Google Review
"Working with William Gray on my Medicare selections was an outstanding experience. Navigating Medicare can feel overwhelming, but William made the entire process simple, clear, and stress-free. He took the time to understand my specific needs, explained every option in a way that was easy to grasp, and offered thoughtful guidance without ever making me feel rushed or pressured."
Julie K.
Medicare client · Verified Google Review
"ABSOLUTELY GOD SENT! I knew nothing about Medicare and close to panicking before speaking with William. Super professional, well informed and kind! Anyone out there approaching 65 years old needs someone like William in their corner; he walked me through each step and all the options best suited my needs!!! All at NO COST because he is paid through the insurance companies."
JKC
Medicare client · Verified Google Review
"Navigating the healthcare system is complex to say the least. This is where The Medicare Dude, William Gray, shined for us on the road to consummating an ideal configuration for our unique and collective situations. William is not just a registered healthcare broker professional, but he is also a wealth of knowledge and sage consult in our best interests. He's always available when questions arise."
TinaKelvin B.
Medicare client · Verified Google Review
"I required an insurance broker with comprehensive knowledge in the field, and William Gray exceeded my expectations. He visited my home and provided a thorough explanation of various Medicare products. As a result, he helped me select the best supplement and achieve a significant reduction of over $150 per month in premiums."
Debra A.
Medicare client · Verified Google Review
"Very Knowledgable and personable! William made a seemingly difficult transition easy and seamless. I appreciated his unbiased opinion and personalized what was best for me. He took great care in listening to my concerns. I never felt rushed and felt he took a personal interest in assisting me to make the best choice. Not one of those "Big box" sales as seen on TV. Highly recommend William."
Sharon H.
Medicare client · Verified Google Review
Showing 6 of 83 verified Google reviews
Ask About Ancillary Coverage
William can compare dental, vision, and supplemental plans alongside your Medicare options. Free, no obligation.
Licensed in FL, GA, ID, IN, KS, KY, MI, NC, OH, PA, TX, VA · Independent · No cost to you