Help with more than Medicare.
Medicare is most of what I do. I also help with life insurance and final expense, hospital and cancer policies, care after a hospital stay, and dental and vision, for people with or without Medicare. You don't need Medicare to call me. Ask me for a quote: it costs nothing to ask, and there's no pressure to buy.
These are not Medicare plans.
Nothing on this page is a Medicare plan. You do not need any of these policies to have Medicare or to keep it. Some people add one. Many people never do. If you don't need one, I'll tell you. If we're meeting about your Medicare, we'll set a separate time to talk about life insurance. That's a Medicare rule. The hospital, cancer, critical illness and short-term care policies are limited benefit policies: each pays only what the policy lists, and none replaces major medical health insurance.
What each one is for, in plain words.
Every policy is different, so we look at the details together. Most have their own page with more.
Final expense and life insurance
A policy that pays money to the people you choose when you pass away. Many people want a smaller one that pays for the funeral or leaves money for bills. Some last a set number of years; others last your whole life.
Read more →Hospital indemnity
It pays you a set amount if you're admitted to the hospital for a stay the policy covers, often for each day. The money goes to you, not the hospital.
Read more →Cancer
It pays you money if you're diagnosed with cancer, and some keep paying during treatment. It pays only for cancer.
Read more →Critical illness
It pays one lump sum if you get a serious illness the policy names, like a heart attack or a stroke.
Read more →Short-term care and home care
It pays you a set amount for each day you get care at home, or in a nursing home or assisted living, while you recover.
Read more →Dental and vision
These policies help pay for things like cleanings, fillings, dentures, eye exams and glasses. Original Medicare does not cover most of that. If you have a Medicare Advantage plan, it may already include some, so let's check first. A Medicare Supplement usually doesn't cover dental or vision, so a policy like this can go next to it.
Health insurance before Medicare
Not 65 yet, and no insurance through a job? You may be able to buy a plan on the Health Insurance Marketplace, sometimes called ACA or Obamacare. Depending on your income, you may get help with the cost. This can fit a younger spouse when the older one moves to Medicare.
Questions I'll help you ask.
I ask these with every client, for every policy. I look at what you already have first. If it already covers you, I'll tell you.
- What does it pay for, and what does it leave out?Every policy has a list. We read it together.
- Does it pay me, or the doctor?Some pay you directly. Some pay the doctor or hospital.
- Is there a waiting period?Some policies wait a while before they pay for certain things.
- Do I already have this?Your Medicare plan, your job, or another policy may already cover it.
- Can the price go up later?Ask now, not after you sign.
- How do I cancel if I change my mind?Know the way out before you sign up.
Not sure what you need? Let's talk it over.
Call or text me. We'll look at what you have now and what worries you most. No pressure, and my help costs you nothing.