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Most people assume their health insurance covers everything.
Unfortunately, that’s often not the case.
Even the best health insurance plans can leave you responsible for deductibles, copays, coinsurance, lost income, travel expenses, and other unexpected costs that arise during a medical event.
At New England Plan Navigator, we help individuals, families, and retirees understand their options for creating a stronger healthcare safety net through supplemental insurance and alternative healthcare solutions.
Whether you’re enrolled in Medicare, covered through an employer plan, purchasing individual coverage, or exploring healthcare sharing programs, we can help you identify potential gaps and build a strategy that works for your situation.
Health insurance is designed to help pay medical bills. What it doesn’t cover are many of the financial challenges that often accompany a serious illness, hospitalization, injury, or long-term health condition. Consider the costs that can arise during a medical event:


For some individuals and families, healthcare sharing programs may offer a lower-cost alternative to traditional health insurance.
Healthcare sharing is a community-based approach where members voluntarily share eligible medical expenses through a cooperative model.
Potential benefits include:
Healthcare sharing is not insurance, and it’s important to understand both the advantages and limitations before enrolling. We can help you determine whether it may be a good fit for your needs.
Lower cost premiums compared to traditional health insurance!

A serious illness can change your life in an instant.
Critical illness insurance provides a lump-sum cash benefit upon diagnosis of certain covered conditions, such as:
The benefit can be used for:
The goal is simple: provide financial flexibility when you need it most.

A serious illness can change your life in an instant.
Critical illness insurance provides a lump-sum cash benefit upon diagnosis of certain covered conditions, such as:
The benefit can be used for:
The goal is simple: provide financial flexibility when you need it most.

Many health insurance plans offer little or no coverage for routine dental and vision care.
Standalone dental and vision plans can help reduce the cost of:
Maintaining oral and vision health plays an important role in overall wellness and quality of life

Supplemental coverage may be worth considering if you:
Every situation is different, which is why personalized guidance is important.





Not sure if your current coverage is enough?
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
All rights reserved. New England Plan Navigator is an independent insurance agency. We are not affiliated with any government agency or health sharing organization.
© 2026 New England Plan Navigator
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