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Health Insurance Coverages

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Critical Illness

Critical illness plans can reduce or completely drop your benefits after you reach a certain age, when you might need the coverage the most. For some, critical illness insurance provides peace of mind, which should not be discounted.

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Medicare Advantage Plans

Most Medicare Advantage Plans offer coverage for things that aren't covered by Original Medicare, like vision, hearing, dental, and wellness programs (like gym memberships). Plans can also cover more extra benefits than they have in the past.  It's important to have someone guide you through the right plans to assure no future surprises that could have been avoided.

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Vision

If routine exams are all you need, the cost of insurance might not be worth it. Take a look at the cost for one year of vision insurance compared with the cost of an eye exam. ... If you do need corrective lenses in addition to preventive care, you're probably better off with the insurance

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Short Term Care

Short-term policies typically cover home care, assisted living and nursing homes when you can't take care of yourself. But instead of paying for years of care, short-term care insurance, especially when that care is 12 months or less

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Medicare Supplement Coverage

Get help with some of the out-of-pocket costs not paid for by Medicare with a Medicare Supplement Insurance plan (Medigap). A Medicare Supplement plan lets you choose or keep your own doctor as long as they accept Medicare patients.

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Dental

While cost is often a concern, you can save money in the long run if you take the time to consider the type of care your family needs. You can also help avoid hefty dental expenses by anticipating future needs.

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Long Term Care

Long-term care insurance is insurance that helps pay for the costs associated with long-term care. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid

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Prescription Drug Plans

Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Drug Plan (Part D) when you're first eligible, and you don't have other creditable prescription drug coverage, or you don't get Extra Help, you'll likely pay a late enrollment penalty.

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Disability Insurance

Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.