Personal Health Insurance
Medicare, ACA, Dental/Vision, Short-Term, Final Expenses,
Cancer Insurance, Hospital Indemnity, Critical Illness
Medicare
Medicare is a federal health insurance program designed for adults age 65 and older. You can enroll starting three months before your 65th birthday.
[ Part A ]
Hospital Coverage
Covers inpatient hospital care, skilled nursing facility services, hospice care, and some home health services.
[ Part D ]
Prescription Drug
Helps pay for prescription medications through approved drug plans.
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[ Part B ]
Medical Coverage
Covers doctor visits, outpatient care, preventive services, and medical supplies.
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[ Part C ]
Medicare Advantage Plans
Offered through private insurance companies. Combines Parts A and B, often includes Part D, and may offer extra benefits.
Medicare Supplement
(Medigap)
Helps cover out-of-pocket costs not paid by Original Medicare, such as deductibles, copayments, and coinsurance. Works alongside Parts A and B.
ACA Plan (Obama Care)
The plan governed by the Affordable Care Act, often called Obamacare, is a health insurance program designed to make coverage more accessible and affordable for individuals and families in the United States. Eligible individuals and families can apply, and financial assistance may be available based on income and household size.
Dental/Vision
Dental Insurance includes preventive services (cleanings, exams, etc.), basic treatments(fillings, etc.)
and major procedures (oral surgery, restorative work, etc.)
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Vision includes eye exams, frames, lenses, and medically necessary contact lenses, etc.
Short-Term Disability Insurance
Short-term health insurance can be an affordable solution for those looking for health coverage during transitional periods in their lives like 3 month, 6 month & 12 month Term.
Final Expense
Final Expense covers funeral costs and end-of-life debts to protect family members from immediate financial burdens.
Cancer Insurance
Cancer Insurance pays a direct cash benefit upon a cancer diagnosis to cover out-of-pocket medical costs or daily living expenses.
Hosptial Indemnity
Hospital Indemnity provides fixed cash payments for each day of hospital confinement to help offset high deductibles and co-pays.
Ciritical Illness
Critical Illness delivers a lump-sum payment upon diagnosis of major events like heart attack or stroke to provide financial flexibility during recovery.