Ancillary Insurance

Dental and Vision Insurance, Final Expense Insurance, Hospital Indemnity Plans, Emergency Room Benefits, and more In Portage, Kalamazoo, Battle Creek, Three Rivers, Plainwell, MI, and the Surrounding Areas

Endres Insurance Agency stands out as a trusted source for family & senior insurance products.

Our knowledgeable team is dedicated to helping seniors navigate the complexities of insurance options tailored to their specific needs.

We offer a comprehensive range of products, including Final Expense Insurance and Burial Insurance, which provide financial peace of mind for families during difficult times. Additionally, our Dental and Vision Insurance plans ensure that seniors receive essential healthcare services to maintain their overall well-being.

Understanding the unpredictability of healthcare costs, we also provide Hospital Indemnity Plans and Emergency Room Benefits. These plans are designed to alleviate the financial burden associated with unexpected medical emergencies.

Our services extend beyond Kalamazoo to include Portage, Battle Creek, Three Rivers, Plainwell, and the surrounding areas. At Endres Insurance Agency, we prioritize your health and financial security, offering expert guidance to help you make informed decisions about your insurance needs.

Dental, Vision and Hearing Insurance

Dental, Vision, and Hearing Insurance is a type of supplemental health insurance that helps cover the costs of routine and unexpected care for oral, eye, and ear health. These services are often not included in Medicare or many health insurance plans, especially for seniors.

What does DVH Insurance cover?

Why is Dental, Vision, and Hearing (DVH) Insurance Important?

Medicare Does Not Cover Most DVH Services
Original Medicare generally does not cover routine dental, vision, or hearing care. Residents in Kalamazoo who rely on Medicare need a DVH policy to avoid paying full price out-of-pocket.

Access to Quality Local Providers
The Kalamazoo area has many reputable dentists, optometrists, and audiologists. DVH insurance gives residents affordable access to preventive and corrective care without financial stress.

Aging Population Needs More Preventive Care
As people age, they often face: Tooth loss or gum disease, Vision changes and risk of cataracts or glaucoma, and Hearing loss.

Prevention Saves Money
Regular cleanings, exams, and screenings help detect issues early—preventing more expensive problems later. For example, treating early gum disease is far less costly than replacing teeth.

Improved Overall Health
Oral, eye, and ear health are closely connected to overall health. Poor dental care is linked to heart disease and diabetes, and untreated hearing loss is linked to cognitive decline.

Flexible Plans and Affordable Premiums
Many DVH plans in Michigan are available for less than $50/month, making them an accessible way to protect your health and wallet.

Hospital Indemnity Plans

Hospital Indemnity Plans are a type of supplemental insurance that pay you a set cash benefit when you are hospitalized due to illness, injury, or surgery. These plans are designed to help cover out-of-pocket costs not fully paid by your primary health insurance or Medicare.

The cash benefit is paid directly to you, not to the hospital, so you can use it for any expense—medical bills, rent, food, or travel.

What Do Hospital Indemnity Plans Cover?

They typically pay a fixed amount per day you’re in the hospital, and may also include benefits for:

Cancer Insurance

Cancer Insurance is a type of supplemental health insurance that provides a lump-sum cash benefit or pays specific amounts when you’re diagnosed with cancer or receive cancer-related treatments. It’s designed to help cover non-medical and out-of-pocket expenses that standard health insurance or Medicare doesn’t fully cover.

Michigan, including the Kalamazoo area, sees higher-than-average rates of certain cancers such as lung, breast, and colon cancer. Having cancer insurance means residents are better prepared for a diagnosis.

What Does Cancer Insurance Cover?

Depending on the plan, benefits may include:

Emergency Room Benefits

Emergency Room (ER) Benefits Insurance is a type of supplemental health insurance that provides a cash benefit if you visit the emergency room due to an accident or sudden illness. It’s designed to help cover unexpected costs that health insurance or Medicare may not fully pay, especially high deductibles, copays, and coinsurance.

Cancer, Heart Attack, and Stroke Insurance

Cancer, Heart Attack, and Stroke Insurance is a type of critical illness insurance that provides a lump-sum cash benefit if you’re diagnosed with cancer, or suffer a heart attack or stroke. This type of coverage is designed to help you handle the unexpected financial burdens that come with life-threatening conditions.

Key benefit: The cash is paid directly to you, not your doctor or hospital, and can be used however you choose.

Final Expense Insurance

Also known as burial insurance or funeral insurance—is a type of whole life insurance designed specifically to cover end-of-life expenses such as funeral costs, medical bills, and any outstanding debts. It’s typically easier to qualify for, with smaller death benefits (usually $2,000 to $25,000) compared to traditional life insurance.

What Does Final Expense Insurance Cover?

Why Is Final Expense Insurance Important?

Rising Funeral Costs in Michigan
The average funeral in Michigan can cost between $7,000–$12,000, depending on services. Final expense insurance helps ensure families in Kalamazoo and nearby towns aren’t left with a financial burden.
Many Local Residents Are Retirees or Seniors
Kalamazoo County has a significant senior population. This insurance provides peace of mind to older adults knowing their end-of-life costs are covered and loved ones are financially protected.
Simplified Qualification
Many policies do not require a medical exam, making it a good option for seniors or individuals with pre-existing health conditions in Southwest Michigan.
Quick Payouts for Local Funeral Homes
Final expense insurance often pays beneficiaries quickly—helping families work with trusted funeral providers in the region without delay.
Supports Financial Planning
It’s a simple way for families in communities like Portage, Battle Creek, and Plainwell to plan ahead and reduce the emotional and financial stress during a difficult time.

Why Choose Endres Insurance?

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