Comprehensive Coverage
Built for You.
We partner with the nation's leading carriers to bring you a wide selection of Medicare and final expense insurance options. Our goal is to find the perfect balance of benefits and budget.
Original Medicare
The foundation of Medicare coverage provided by the federal government. Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services. While comprehensive, it does not cover everything, which is why many beneficiaries choose to add supplemental coverage.
Medicare Advantage
An 'all-in-one' alternative to Original Medicare offered by private insurance companies approved by Medicare. These bundled plans include Part A, Part B, and usually Part D (prescription drugs). They often provide additional benefits that Original Medicare doesn't cover, such as routine dental, vision, hearing care, fitness memberships, and wellness programs. Advantage plans also include a yearly limit on your out-of-pocket costs for medical services.
Medicare Supplement
Health insurance policies sold by private companies to help pay some of the health care costs that Original Medicare doesn't cover, such as copayments, coinsurance, and deductibles. These are designed to fill the 'gaps' in Original Medicare coverage. With a Medigap policy, you can visit any doctor or hospital that accepts Medicare, giving you ultimate freedom of choice without worrying about network restrictions.
Prescription Drugs
Standalone coverage that helps pay for both brand-name and generic prescription drugs. Offered by private insurance companies, Part D plans are essential for managing medication costs and protecting against high out-of-pocket expenses in the future. Even if you don't currently take prescription drugs, enrolling in a Part D plan when you are first eligible helps you avoid late enrollment penalties.
Burials & Cremation
Often called final expense insurance, these are small whole life policies specifically designed to cover the costs associated with the end of life, such as funeral services, cremation, medical bills, and other outstanding debts. These plans provide your loved ones with immediate cash benefits during a difficult time, ensuring they aren't burdened with unexpected financial obligations. Acceptance is typically guaranteed regardless of your health history.
Not sure which plan is right for you?
Medicare can be confusing. Our consultants are here to explain the differences and help you choose the plan that best fits your lifestyle and health needs.
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