Health & Medicare Insurance
Navigate Medicare options and protect yourself against major health expenses with comprehensive coverage
Medicare Supplement (Medigap)
Private insurance that helps cover the gaps in Original Medicare (Parts A and B), such as copayments, coinsurance, and deductibles.
Key Benefits
- •Covers Medicare deductibles and coinsurance
- •Choose any doctor that accepts Medicare
- •Guaranteed renewable
- •Predictable out-of-pocket costs
Important Considerations
- •Monthly premium in addition to Medicare Part B
- •Doesn't cover prescription drugs (need Part D)
- •Limited enrollment periods
- •Pre-existing conditions may affect eligibility
Medicare Advantage (Part C)
All-in-one alternative to Original Medicare offered by private companies. Often includes prescription drug coverage and extra benefits.
Key Benefits
- •Often includes drug coverage
- •May include dental, vision, hearing
- •Out-of-pocket maximum protection
- •Potentially lower monthly costs
Important Considerations
- •Must use network providers
- •May require referrals for specialists
- •Benefits can change annually
- •Plan availability varies by location
Critical Illness Insurance
Pays a lump-sum benefit upon diagnosis of covered critical illnesses such as cancer, heart attack, or stroke. Funds can be used for any purpose.
Key Benefits
- •Lump-sum payment upon diagnosis
- •Use funds for any purpose
- •Supplements existing health insurance
- •Helps with non-medical expenses
Important Considerations
- •Only covers specific conditions
- •May have survival period requirements
- •Pre-existing conditions typically excluded
- •Benefit amount may be limited
Long-Term Care Insurance
Covers costs of long-term care services in your home, assisted living facility, or nursing home when you can't perform basic activities of daily living.
Key Benefits
- •Protects retirement savings
- •Provides care flexibility and choices
- •Reduces burden on family caregivers
- •Tax-qualified premiums may be deductible
Important Considerations
- •Premiums increase with age at purchase
- •May have elimination period
- •Health requirements for approval
- •Benefits may not cover all costs
Medicare Can Be Confusing - Let Me Help
With 16+ years of experience, I'll help you understand your Medicare options and find the right supplemental coverage for your health and budget.