Medicare Services

We love being able to help people with the best plans for the lowest over all costs.

This includes talking about issues we would all rather not talk about.  However, I have too many texts Phone calls and emails asking about the Cancer policy I mentioned and wishing we had this protection.  Chemotherapy medication is 20% 

Benefits are paid in a lump sum
Coverage for Individual, Individual and Spouse, Individual and Child(ren) and Family
Benefits include Carcinoma in Situ Benefit and Optional Heart-Stroke Benefit*
Customizable coverage with optional riders
Preferred and Standard underwriting class
Issue Ages 45–85
Face amounts
Age 45-75: $3,000 - $50,000
Age 76-85: $3,000 - $35,000 Policies include:
Accelerated Death Benefit Rider
Optional Waiver of Premium for Hospital or Nursing Home Confinement
Protection above and beyond traditional cancer coverage

Medicare Supplements don't come with Dental and the way Medicare advantage plans have been going I don't believe Many plans will have Dental in 2027.

Delta Dental has the biggest dental providers covered.

United Healthcare, Humana and Healthsprings also have dental packages.

Term life insurance after age 65 offers affordability and simplicity, making it useful for covering final expenses or short term financial obligations. Premiums are typically lower than permanent policies, and coverage is straightforward. However, costs rise with age, coverage periods are limited, and policies may expire when protection is still needed. Additionally, no cash value accumulates, leaving no savings component for policyholders seeking long term financial flexibility for many seniors.

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For this reason we would recommend both a Term policy and a whole life policy.

Most term life Policies are never paid out because by the time you need them, you have probably reached the end of your....TERM

The two biggest costs on Medicare advantage plans are over night stays in the hospital and Chemotherapy medication at 20%.

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Simply put you would pay the co pay from whichever Medicare advantage plan, Then you submit the billing codes and payments to the Hospital indemnity company and they pay you per day your are in the Hospital.

A short term skilled nursing insurance plan provides financial protection during recovery from illness, injury, or surgery. It helps cover the high cost of temporary nursing care, reducing out of pocket expenses and preserving savings. These plans are typically more affordable and easier to qualify for than long term care insurance. They offer flexibility, allowing individuals to receive necessary care without committing to expensive, lifelong coverage solutions.

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Long term policies are very expensive but so is haveing a loved one or yourself in a nursing home.

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Short term policies offer a reasonable monthly cost for peace of mind for 1 to 2 years of coveage