Protect the Life You've Built
Your health insurance covers medical care. Supplemental insurance helps protect your income, savings, and the people who depend on you—so life's unexpected moments don't become financial setbacks.
Supplemental Insurance Coverage for Individuals, Families & Businesses
Most health insurance—even good coverage—can leave gaps. A major illness, injury, or unexpected event can bring deductibles, copays, lost income, and other expenses your primary health plan may not cover.
Supplemental insurance adds another layer of financial protection. Depending on the type of coverage, benefits may help with medical expenses, everyday bills, lost income, or other costs that arise when life doesn't go according to plan.
That can include critical illness and cancer coverage, hospital indemnity, accident insurance, dental and vision plans, life insurance, and short- and long-term disability. Some coverage is available through employers, while other policies can be purchased individually.
Full Circle helps you understand where your gaps are and which coverage — if any — makes sense for your needs and budget.
You Probably Don't Need Every Type of Supplemental Coverage
And that's exactly the point.
Supplemental insurance isn't about collecting policies. It's about looking at where your existing health coverage and financial protections leave you exposed — and deciding which of those gaps are actually worth protecting.
Full Circle can help you look at your current coverage, your family or business situation, your budget, and the risks you're most concerned about. From there, we'll help you understand which supplemental options may make sense, what they cover, and what they'll cost.
For one person, that might mean dental and vision coverage. For another, it could be disability insurance to protect their income or critical illness coverage to help absorb the financial impact of a major diagnosis. For an employer, it may mean adding voluntary benefits that give employees more ways to protect themselves and their families.
The goal isn't more insurance. It's the right protection in the right places.
What Does it Cost to Work With Full Circle?
There is no additional cost to you for our help.
Full Circle Insurance Solutions is compensated by the insurance carriers. That compensation is built into the cost of the coverage whether you work with an insurance professional or navigate the options on your own.
That means you can have someone help you evaluate what you already have, understand where gaps may exist, compare your options, and decide which coverage is actually worth paying for—without adding a separate fee for Full Circle's guidance.
And our goal isn't to sell you every policy available. It's to help you understand your risks and choose the protection that makes sense for your needs and your budget.
It doesn't cost you more to have someone helping you make the decision.
We're Here When You Need to Use Your Coverage, Too
Choosing a policy is one thing. Knowing what to do when you actually need it is another.
Full Circle remains available throughout the year for questions about your coverage, eligibility, enrollment changes, and other service needs. And when a claim doesn't look right or you're having trouble getting an issue resolved, we'll help research the situation and work toward a resolution.
Whether the question is about a dental benefit, a disability claim, a life change, or another coverage issue, you don't have to figure it out alone.
We're here to help you understand your coverage before you buy it — and help you navigate it after you do.
Common Supplemental Insurance Questions
I need a strategy to offset high medical costs should I be diagnosed with a major medical condition or hospitalized for an extended period of time.
Supplemental health plans pay cash benefits directly to you — not to the hospital or provider — when you experience a major medical event, helping offset the out-of-pocket costs your primary insurance doesn't cover. High-deductible health plans are popular, but in many cases, the deductibles and out-of-pocket amounts are higher than the annual contribution to a Health Savings Account. Supplemental Health plans can help lower the financial exposure that a major health event can cause because they pay you funds directly. There are a variety of different plans that focus on different events – a cancer diagnosis, heart attack or stroke, extended hospital stays, ICU coverage, and unforeseen accidents (on and off the job).
I need assistance evaluating if a dental and vision plan is worth the premium cost for me and my family.
Whether a dental or vision plan is worth the premium depends on your family's anticipated needs — the math often works in your favor if anyone in your household regularly needs major services like crowns, orthodontia, or progressive lenses. Not every family member has to be covered under the plans, but it is important to understand the carrier rating structures. These insurance plans are available to help keep consumers on track with their preventive dental and vision needs, as well as sharing in the costs of major services (crowns, progressive lenses) to lessen the out-of-pocket costs. Full Circle works closely with its client base to determine if and what dental and vision plans will work for you and your family.
Do I have enough Life Insurance to care for my family should I pass away? And are there different types of life insurance policies that would work better for our family situation?
How much life insurance you need depends on your income, debts, dependents, and long-term financial goals — and the right policy type (term, universal, or whole life) depends on how long you need coverage and what role it plays in your overall financial plan. Certain riders can be added (long-term care needs, income drawing) that allow you to pay one premium and how to spend it down. It is important to work with a team of professionals, like Full Circle, who can evaluate your specific needs based off your specific desires and premium price points.
What happens if I become disabled and cannot work? Is there coverage that insures my income?
We like to think of disability coverage as insurance for your paycheck. If an unexpected accident or severe medical diagnosis occurs making that person unable to work, disability insurance helps to supplement that income. Short Term Disability supplements a portion of missed income for a specific period (12/13/26 weeks). If the claimant is still considered disabled, Long-Term Disability takes over and typically supplements income through Social Security Normal Retirement Age (SSNRA). Please note, Accessibility, underwriting requirements, and premium costs for these policies will vary based on who is sponsoring the plan, for example, an offering by an employer versus an individual purchasing on their own. Full Circle is knowledgeable in both arenas and can advise on how to best craft the policies.
J.M.
Individual Client
My family and I have worked with Chelsea Jennings and her staff for a few years. We are so pleased with her professionalism, extensive knowledge, tenacity, and follow through!!! Chelsea has worked with us both for health and life insurance. We highly recommend her to anyone seeking a professional with expertise and compassion to help navigate through the process. Chelsea gets the job done flawlessly!!!
Not Sure Which Coverage Makes Sense?
Tell us what you're trying to protect, where you're concerned about gaps, or which coverage you're considering. We'll help you understand your options and decide what makes sense for you.
Call Us: 757-799-1248
Office Fax: 757-917-5676
Email: Contactus@FullCircleFin.com
Mailing Address:
582 Lynnhaven Parkway STE 100
Virginia Beach, VA 23452
Our office building is easily accessible
via the Lynnhaven Commons entrance on Viking Drive