Add-Ons
Which Coverage Add-Ons Are Worth It for Carpenters?
May 12, 20265 min readBy Carpenter Crew Health
The main coverage question for carpenters is health insurance. Add-ons only matter when they solve a real problem for the worker, family, or crew.
Start with medical
Before adding dental or vision, make sure the health plan has tolerable deductible risk, usable doctors, urgent care, prescriptions, and emergency coverage.
Add-ons that can make sense
- Accident coverage for physical jobsite risk
- Short-term disability for self-employed income gaps
- Dental for predictable preventive and repair costs
- Vision for glasses, contacts, and eye exams
- Term life for families, mortgages, or business debt
Add-ons that can wait
If the add-on pushes the package over budget or duplicates something you already have, we recommend skipping it.
Related coverage
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