Personalized Insurance Solutions for Seniors

Medicare Advantage plans combine hospital, medical, and often prescription coverage with other benefits such as dental, vision, and hearing along with extra benefits into one plan. Medicare Advantage plans have copays for different services.

Medigap Supplements Original Medicare by covering out-of-pocket costs like copayments and Deductbles. With Medigap plans you need to purchase a stand along prescription drug plan so that you do not receive a penaltiy. You will also need to purchase a seperate dental, hearing and vision plan.

Even with medical insurance, you can still have unexpected costs. Ancillary products like Hospital Indemnity or Hosptial Confinment Indemnity plans help protect your savings from these unexpected costs. These benefits are paid directly to you to cover these costs the way that you need to.

Life insurance has changed over the years and now most carriers offer "Living Benefits" that are built in or that are available as an optional rider on the policy. This will allow you to have money to pay for final expenses as well as money to help pay covered expenses if you become come terminally ill, chronically ill, or critically ill.

If there is a product or service that you are looking for but you do not see it on the website please contact us to see if we offer it.