Government healthcare doesn’t cover everything. Health and dental insurance fills the gap—covering services like prescription drugs, vision care, dental cleanings, specialist treatments, and more. These plans help reduce out-of-pocket costs and give you access to quality care when you need it most. Disability insurance provides monthly income replacement if you're unable to work due to a covered injury or illness. Whether short-term or long-term, this protection helps you cover essential expenses like rent, bills, groceries, and debt payments—so you can focus on recovery, not finances.