Learn About Ancillary Health Insurance Products
For Residents of Fort Myers, Lakeland, Sarasota, all of West, Central, and Southwest Florida
Ancillary Health Insurance Options for Accident, Critical Illness, Hospital Stays, and Dental Coverage
For over 25 years, Bay Insurance has helped individuals and families throughout Sarasota, Fort Myers, Lakeland, Tampa, Naples, Bradenton, Bonita Springs, and across West, Central, and Southwest Florida explore affordable health coverage solutions.
As a local agency representing Florida Blue, Bay Insurance offers ancillary coverage options designed to complement your existing health insurance. These products provide additional support for unexpected medical expenses, helping you maintain peace of mind and financial stability.
From accident protection and critical illness plans to hospital indemnity and dental coverage, Bay Insurance provides educational support to help you understand which options may fit your lifestyle and healthcare goals.
Contact Our Agents to Learn MoreExplore Added Coverage for Unexpected Medical Expenses
Understand your ancillary coverage options by downloading and reading the PDFs below
2025 USAble Accident Plan Overview
Provides cash benefits to help with costs related to covered accidental injuries. This may include emergency room visits, fractures, follow-up care, and other qualifying services.
2025 USAble Critical Illness Plan Overview
Offers a lump-sum cash benefit upon diagnosis of certain covered critical illnesses such as cancer, heart attack, or stroke. Intended to provide financial support during recovery.
2025 USAble Hospital Indemnity Plan Overview
Designed to assist with expenses related to hospital and ICU stays, ambulance services, and other covered inpatient care. Pays benefits directly to the insured.
2025 BlueDental Sales Brochure
Details dental coverage options available through Florida Blue. Includes information on PPO and prepaid plan designs, network providers, and available services.
* This webpage provides a general overview of ancillary health insurance products and is not an insurance policy. Coverage details, limitations, exclusions, eligibility requirements, and termination provisions vary by product and are fully described in the official policy documents. Please read all policies carefully. USAble Life is the insurer and solely responsible for the Accident, Critical Illness, and Hospital Indemnity plans referenced here. USAble Life is an independent company and operates separately from Florida Blue. Florida Blue is an Independent Licensee of the Blue Cross and Blue Shield Association. USAble Life does not sell or service Florida Blue products. Dental coverage is offered by Florida Combined Life Insurance Company, Inc., an affiliate of Florida Blue. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. Certain coverage may reduce or terminate based on age or eligibility. Florida Blue complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. © 2024 Florida Blue and Life & Specialty Ventures, L.L.C. All rights reserved.