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Medicare Advantage Plans

A Medicare Advantage Plan (like an HMO or PPO) is a health plan choice you may have as a Medicare member. These plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.

Medicare Advantage Plans provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. They also may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include prescription drug coverage (Part D).

Medicare pays a fixed amount for your care every month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare. However, each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan for non-emergency or non-urgent care). These rules can change each year.

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Medicare Supplement Plans

Medicare Supplement Insurance (Medigap) Plans, also sold by private companies, can help pay some of the costs not covered by Medicare, like copays, coinsurance, and deductibles.

Some policies have additional benefits to fill more of the gaps in Medicare. Medicare Supplement Insurance is a service plan without restrictive networks such as those offered by Health Maintenance Organizations (HMO's).

With a Medsup plan, you have the freedom to choose your doctors and you do not need a referral to see a specialist. There are no health questions to answer to apply and pre-existing conditions are covered immediately if existing coverage of any type of health insurance existed within the last two months. These plans offer coverage anywhere within the United States.


Prescription Drug Plans

Medicare prescription drug coverage is insurance that covers both brand-name and generic prescription drugs at participating pharmacies in your area. These plans provide protection for people who have very high drug costs or from unexpected prescription drug bills in the future. Our affordable Medicare Part D Prescription Drug Plans offer you coverage on medicines not covered under Medicare Part B.


Guaranteed Issue Life Plans

Guaranteed life policies offer individuals who are either very highly rated or uninsurable and unable to obtain life insurance at a standard rate an opportunity to obtain permanent, non-participating whole life coverage on a guaranteed issue basis.

Death benefits are only paid in the event of an accidental death in the first three years. If death is not accidental in first three years, the benefit is your premium plus 5% compounded annually.

There are no medical questions, exams, or tests required to enroll.

Simplified Issue Life Plans

Whole Life Insurance can help cover the costs of funeral and burial expenses, as well as administrative and probate fees.

Your premium will never increase, and your coverage will never decrease. Your cash values are accumulated on a tax-deferred basis and all death benefits are federal income tax free.