Flexible Coverage Beyond Your Health Plan
From short-term medical and dental/vision plans to cancer, critical illness, and accident coverage — RightQuote helps you find affordable protection that works alongside any health plan or fills the gap when you have none.
What We Cover
More Ways to Protect Your Health & Finances
Whether you need temporary medical coverage, affordable dental and vision, or cash-benefit plans that pay you directly after a serious diagnosis — we have options for every situation and budget.
Short Term Medical Insurance
Flexible health coverage for gaps between jobs, waiting periods, or when ACA plans don't fit your budget. Plans typically cover doctor visits, urgent care, ER, hospitalization, and prescriptions for 1–12 months.
Dental Insurance
Standalone dental plans covering preventive care (cleanings, X-rays), basic services (fillings, extractions), and major work (crowns, root canals). Available as indemnity or PPO-style plans.
Vision Insurance
Annual eye exams, prescription glasses, and contact lens allowances. Often bundled with dental for a single affordable monthly premium — ideal for individuals and families.
Cancer Insurance
Pays a lump sum or per-treatment benefit upon a cancer diagnosis — covering chemo, radiation, experimental treatment, and more. Cash goes directly to you.
Heart Attack & Stroke
A cardiac event can sideline you for months. Heart/stroke policies pay cash benefits for hospitalization, surgery, and recovery — no coordination of benefits required.
Critical Illness
Broader than cancer or heart-only plans — covers organ failure, major burns, paralysis, coma, and other qualifying diagnoses with a lump-sum cash payout.
Accident Insurance
Pays for ER visits, fractures, dislocations, lacerations, and follow-up care after an accidental injury — no deductible required, cash paid directly to you.
Cash Paid Directly to You
Supplemental benefit plans pay straight to your bank account — use the money for medical bills, mortgage, groceries, childcare, or anything else you need.
Works With Any Health Plan
All of these plans layer on top of your existing coverage — employer plan, marketplace plan, or Medicare — or stand alone when you're between plans.
Coverage Comparison
Which Plan Is Right for You?
Short term medical fills coverage gaps; dental/vision covers routine care; supplemental plans pay cash after serious illness or injury.
| Coverage Type | Short Term Medical | Dental / Vision | Critical Illness / Cancer | Accident |
|---|---|---|---|---|
| Doctor visits & urgent care | Yes | Dental/Vision only | No | No |
| Hospitalization coverage | Yes | No | Yes | Yes |
| Lump-sum diagnosis benefit | No | No | Yes | No |
| Accidental injury coverage | Yes | No | No | Yes |
| Prescription drug coverage | Yes | No | No | No |
| Cash paid directly to insured | No | No | Yes | Yes |
| Works alongside major medical | Standalone gap coverage | Yes | Yes | Yes |
"When I was diagnosed with breast cancer, the last thing I wanted to worry about was money. My supplemental cancer policy paid out within two weeks and covered three months of mortgage payments."
— Sandra K.
"I had a heart attack at 52 — completely out of nowhere. My heart/stroke policy paid a lump sum that covered my deductible, my wife's time off work, and our car payment while I recovered."
— Marcus T.
"I was between jobs and needed something to bridge the gap. The short term medical plan RightQuote found me was affordable and covered my prescriptions and a doctor visit — exactly what I needed."
— Priya L.
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Browse short term medical, dental, vision, and supplemental health plans online — or talk to a licensed RightQuote agent to find the right combination for your situation.
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Common Questions
Supplemental & Short Term Medical FAQ
Related Reading
Ready to Find the Right Coverage?
Browse short term medical, dental, vision, and supplemental health plans online — or call a licensed RightQuote agent to find the right combination for your situation.