Ancillary products
Dental, vision, hearing, hospital indemnity, accident, and critical illness, quoted from the client record you already filled in and signed in the same flow as the medical plan.
Attach at the visit you are already making
You have the client's date of birth, their medications, their doctors, their pharmacy, and their budget. Quoting dental should not mean typing all of it again into a second portal while they watch.
- The record is already filled in. Household, contact, and eligibility details carry from the medical or life case straight into the ancillary quote.
- Quoted in the same cart. Dental, vision, hearing, hospital indemnity, accident, and critical illness sit next to the plan you just recommended.
- Priced on what they asked about. Annual maximum, waiting periods, the dentist they have used for a decade, and whether the hearing aid allowance is real.
- One signature flow. The client signs once for the session, by text, tablet, or email, instead of once per carrier portal.
Solved Enroll is in private beta. Ancillary attach is being built with beta agencies ahead of the 2027 public rollout, and the carrier list grows with each cohort. Join the waitlist for the next one.
Standalone or bundled, with the dates reconciled
Two mechanical things decide whether an ancillary sale sticks: how the client signs for it, and whether the coverage actually starts when they think it does.
Standalone or bundled
Write ancillary on its own, or alongside the medical plan, with one signature flow either way.
- A standalone dental and vision case does not require a Medicare plan to exist.
- A bundle presents as one recommendation with one total, then splits into the applications each carrier requires.
- Each application is still submitted on that carrier's own approved forms.
- Submission status is tracked per product, because carriers do not acknowledge on the same schedule.
Effective-date reconciliation
Ancillary effective dates are checked against the medical plan on the same case, so coverage does not open a gap nobody notices until a claim.
- The medical plan's effective date is the anchor every ancillary quote is measured against.
- Carrier issue rules, such as first of the month following, are applied before signature rather than discovered after.
- Waiting periods are shown next to the effective date, since a major service waiting period changes what the client can use in year one.
- A gap or an overlap is flagged with the options that line up, not left as an exercise.
Know what the attach is worth before you recommend it
Commission on ancillary varies more between carriers and products than it does on the medical plan. Agents who cannot see it either guess or ignore the line entirely.
- Per carrier, per product. What each attach pays is visible while you are building the recommendation, from your own contract level.
- Before the recommendation, not after the statement. The economics of a bundle are visible in the session, so a low-value attach is a choice rather than an accident.
- Need still decides. The client's need selects the product. Visibility keeps you from recommending a thin plan because it was the one you remembered.
- Rolls up to the agency. Attach rate and product mix are reported by agent and carrier for agency and IMO dashboards.
Ancillary product availability
Where each ancillary line stands in the private beta. Everything listed is in scope for the 2027 general availability release.
| Product | Stage | What the workflow covers |
|---|---|---|
| Dental | Live in beta | Annual maximum, preventive and major service coverage, waiting periods, and whether the client's dentist is in network. |
| Vision | Live in beta | Exam and materials allowances, frame and lens frequency, and the difference between an allowance and a copay. |
| Hospital indemnity | Live in beta | Daily benefit, benefit days, and the riders that matter next to a Medicare Advantage plan's inpatient cost sharing. |
| Hearing | In build | Hearing aid allowance per ear, replacement frequency, and the provider network the allowance is usable in. |
| Accident | In build | Benefit schedule by injury and treatment, with the underwriting questions the carrier asks at application. |
| Critical illness | Planned | Covered conditions, benefit amount, and the health questions that decide eligibility, sequenced after the attach lines settle. |
Stage reflects the private beta build order across cohorts, not a delivery date. Carrier coverage reaches 20+ ancillary carriers at general availability.
The highest-leverage thing a Medicare agent can do
Not because ancillary premium is large. Because the expensive part of the sale has already happened.
The appointment is the cost
The lead, the drive, the SOA, and the fact-find are already spent on this visit. A second product on the same visit carries almost none of that cost again.
The client raised it first
Teeth, glasses, hearing aids, and the fear of a hospital stay come up on their own in a Medicare conversation. The products exist because the questions do.
More reasons to stay
A client with three policies through you calls you before they call the television commercial. Retention is the quiet half of the attach argument.
Where it falls apart without the platform. The attach is lost to friction, not to objections. A second portal, a second application, a second signature request by email two days later, and a client who has already put the folder in a drawer. Removing those four steps is the entire feature.
Cross-selling inside a Medicare appointment
A Medicare appointment has boundaries. The workflow keeps the paperwork on the same side of them as the conversation.
Scope of Appointment first
The SOA records which product types the client agreed to discuss, captured and timestamped before the sales conversation begins. Where a rule requires the form to exist before the meeting, the timestamp is the proof.
When the conversation widens
If the discussion moves to product types the form does not cover, the workflow prompts for the documentation your compliance policy requires instead of leaving it to whoever remembers.
What was presented, in order
Products presented, products chosen, disclosures acknowledged, and signatures collected, recorded in sequence with attribution and exportable as one case file.
CMS marketing rules change from plan year to plan year, and carriers layer their own requirements on top. Solved Enroll records what was presented, to whom, and when; your agency and its carriers decide what may be discussed in a given appointment. Nothing here is legal advice. See enrollment and recordkeeping
Where ancillary fits in the platform
Medicare
The plan the ancillary effective date is reconciled against.
ExploreLife
The same client record, pre-qualified for final expense and term.
ExploreEnrollment
One signature flow across every product in the session.
ExploreAgency and IMO
Attach rate and product mix by agent and carrier.
ExploreSee the full platform, the quote-to-enroll workflow, pricing, the API reference, or the documentation.
FAQs
Questions about ancillary products
Which ancillary products can I quote?
Dental, vision, hearing, hospital indemnity, accident, and critical illness, across 20+ ancillary carriers at general availability. During the private beta the live carrier list is smaller and grows with each cohort.
Do I have to sell ancillary alongside a medical plan?
No. Ancillary quotes run standalone or bundled with the medical plan, and the signature flow is the same either way. A dental and vision sale to a client who keeps their group coverage is a normal case, not a workaround.
How do you keep the effective dates from creating a gap?
Ancillary effective dates are reconciled against the medical plan on the same case. If the Medicare Advantage plan starts January 1 and the dental carrier would issue December 1 or February 1, the difference is shown before signature, with the options that line up. Waiting periods on the ancillary plan are surfaced next to the effective date, because a January 1 start with a six-month waiting period is not coverage in January.
Can I see what an attach pays before I recommend it?
Yes. Commission is visible per carrier and per product while you are building the recommendation, not after the statement arrives. Seeing it up front is also what keeps a recommendation honest: the client's need decides the product, and you are not guessing about the economics of your own book.
What about Scope of Appointment when I add ancillary to a Medicare appointment?
The Scope of Appointment records which product types the client agreed to discuss, and it is timestamped before the sales conversation. When the conversation moves to product types that are not on the form, the workflow prompts for the documentation your compliance policy requires rather than leaving it to memory. Solved Enroll records what was presented and when; your agency and its carriers set the policy. This is not legal advice.
Why does ancillary attach matter so much?
The expensive part of a Medicare sale is getting into the living room. You are already there, the fact-find is already done, and the client is already discussing their teeth, their eyes, and the hospital stay they are afraid of. Attaching there costs one more conversation instead of one more appointment.
Something else? Contact us
Put the second sale on the same visit.
Beta agencies are onboarded in cohorts, with preferred pricing locked in at general availability.