The Ancillary Advantage Stack — starting-point pricing by protection layer.
This page is built to help you understand the stack the way it should be positioned: in sequence, by employer need, with practical starting-point pricing. It is not a giant rate dump. It is a cleaner view of the strongest categories, the clearest entry points, and the right order to talk about them.
High Engagement EAP
The strongest employer-opening layer in the stack. Use it to frame the conversation around workforce support, mental health access, leadership value, and retention before moving into the broader ancillary story.
Dental
High-utility everyday value with no waiting periods, annual open enrollment, implant coverage, posterior composites, and optional add-ons.
Vision
Expansive network, low payroll friction, and immediate employee value with in-network exams, covered lenses, and a $130 frame allowance.
The Colonial Big 4
This is the strongest “major medical is not enough” part of the stack. It combines injury, inpatient, diagnosis, and hearing-health support into one clearer protection story.
Accident
Easy-to-understand voluntary protection for common injury events, ER exposure, and accident-related out-of-pocket costs.
Hospital Indemnity
Defined cash support for inpatient events and one of the best HDHP companion benefits in the stack.
Critical Illness
Lump-sum diagnosis-triggered cash that carries strong perceived value with employees and employers alike.
Tuned Hearing Benefit
Hearing-health screening, consultations, and device access layered into the Event Protection stack as an exclusive differentiator.
Short Term Disability
Paycheck continuity protection with clean 14/14/3 and 7/7/3 plan options.
*Out-of-state rates may vary.
Group Term to Age 100
Affordable family-protection anchor with long-duration value and terminal illness acceleration.
Whole Life + Optional LTC Rider
Permanent life coverage with stronger long-term planning value and optional LTC rider leverage.
Identity Theft Protection
Modern voluntary protection with strong everyday relevance, monitoring, remediation, and reimbursement support.
Pet Insurance
Household-relevant voluntary benefit that supports recruiting, retention, and perceived richness of the overall stack.
Why the stack works
Need deeper rates, matrices, and starting-point recommendations?
The Broker Appendix contains full rate tables, age-banded matrices, add-ons, and deeper product reference material for case prep and detailed review. When the employer wants recommendations, contribution structure, or case design, that is the point to bring Stone Hill in.
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