Medicare Supplements

Medicare Supplements are a secondary insurance to Original Medicare that pay after Medicare ha paid its portion.  They are designed to off-set deductibles and cost-sharing under Medicare.  Generally speaking, after you've chosen which letter you want (A, K, G, etc.), you merely choose the lowest rate from multiple carriers because the coverage is virtually identical.

Medicare Advantage Plans

Medicare Advantage plans are Medicare contracts awarded to private health insurance companies by CMS.  They have to have benefits the same or better than Original Medicare and they can include extra benefits like dental care or gym membership.  There can be network and medical management concerns with Medicare Advantage plans but they can also be more affordable on a monthly basis than Medicare Supplements.

Standalone Part D Plans

These are often combined with Medicare Supplements, which never include Part D, unlike most Medicare Advantage plans.  There can be dire consequences to not getting Part D when one becomes first eligible.  Discuss these concerns with your agent.

Long-Term Care Insurance

Long-term care is not covered by Medicare.  Generally, an individual or family with more than $100,000 in savings or investments should have a plan to cover the costs of long-term care, including in-home care, assisted living, adult daycare or skilled nursing.  

True Freedom Home Care

Not officially an insurance product but a nice affordable alternative for people who have been denied long-term care insurance, cannot afford it or want to manage the costs of in-home care.

GTL Advantage Plus

An affordable product to use along with a Medicare Advantage plan to reduce possible copays.  

Final Expense

Also called burial or funeral insurance.

From term to whole to universal, we can do it all.  Discuss your needs with your agent.