It seems all we talk about these days is health insurance. And certainly, having that insurance is important, given that medical costs can, quite literally, bankrupt you. But health insurance is just one form of health-related coverage that you should consider. It makes sense to ask yourself whether you also need any of the following supplemental insurance policies. Disability insurance. Disability insurance helps make up for lost wages if you find yourself unable to work because of an illness or accident. Most employers provide disability, but you can still purchase it yourself if you’re self-employed or your employer doesn’t offer it. To decide whether you need disability insurance, ask yourself whether you and your family could survive without your salary for at least two years, keeping in mind you’d have medical costs as well as your normal living expenses. That’s how long it takes before you can apply for Social Security disability benefits. If you decide to buy insurance, you have two options: short-term, which covers you for up to two years, or long-term, which can provide lifetime benefits. Be sure to check on the waiting period; you may need to be unable to work for 30 to 90 days before benefits are paid. Long-term care insurance. Seven in 10 of us will need long-term care at some point. This includes help with activities of daily life, like bathing, dressing, cooking and cleaning, as well as some medical care. The care may be provided in a nursing home or in the community. Either way, however, neither Medicare nor most health insurance plans, including Medigap plans, cover this type of care. That’s where long-term care insurance comes in. You buy the policy while you’re relatively young and healthy (the younger you are when you buy it, the lower the premium). Then if you need it, it pays a certain amount a day for your care. Because you probably won’t need it for many years to come, make sure you buy from a reputable insurance company with a long history in this area. Medicare supplement insurance (Medigap). If you have traditional Part A and Part B Medicare, you can face significant out-of-pocket costs through deductibles and coinsurance. You also have to pay out of pocket for certain things Medicare doesn’t cover, like medical costs outside the United States. If you need help with those extra costs, you can buy a Medicare supplement insurance policy, called Medigap. About one in four Medicare beneficiaries buys these plans, which are offered by private insurance companies licensed to sell them. In order to buy a Medigap plan, you must have Medicare Part A and B; people with Medicare Advantage don’t qualify. Keep in mind that Medigap plans don’t cover everything. For instance, few if any policies cover long-term care, vision, dental, hearing aids, glasses, or private-duty nursing. None sold after January 1, 2006, cover prescription drugs. For that, you need to buy a Medicare Part D drug benefit plan. Premiums for Medigap plans average a little less than $200 a month for individual policies. That premium is in addition to any premiums you pay for Medicare Part B and Part D. You can find a qualified Medigap insurance plan in your area here. Dental insurance. Most large employers offer dental insurance as part of their package of health benefits. If your employer doesn’t, or you can’t afford it, you might want to check out your dental options on the health insurance exchange in your state. Some health plans on the exchange offer dental insurance as part of their benefits, but you may also be able to find stand-alone dental insurance plans. Health plans for children, however, must provide dental insurance as part of their benefits at no additional charge. Vision insurance. Like dental, the majority of large employers offer vision insurance as part of their benefits package to lower the cost of eyewear, contact lenses, and periodic exams. If yours doesn’t, there are numerous options available to purchase your own. Your primary health insurance already covers medical and surgical disease of the eyes like cataract, glaucoma, and diabetic eye care. Some plans work like health insurance—covering certain benefits, making you responsible for a copayment. These are the most expensive. Others simply give you discounts on vision services if you go to certain providers. Which is best? That depends on what services you’ll use. If you know you need glasses, contacts, and/or eye exams every year, the benefit plan might be best. Otherwise, go with the discount. If your vision needs are relatively minor, it might make more sense to skip the vision plan altogether. Key Takeaways Disability insurance helps make up for lost wages if you’re unable to work because of an illness or accident. Long-term care insurance covers help with daily activities like bathing and cooking, as well as some medical care. Neither Medicare nor most health insurance plans cover long-term care. With traditional Part A and Part B Medicare, you can face significant out-of-pocket costs. Medigap, a Medicare supplement insurance policy, can help cover them. If you don’t have dental insurance, you can shop for it on the health insurance exchange in your state. If you don’t have vision insurance, you can purchase a plan that covers certain vision services or offers discounts on those services.