Benefits Beyond Medicare

Many people signing up for Medicare don’t realize that some budget-busters, like dental care and hearing aids, are generally not covered. Neither is care received overseas, long-term care and routine vision, among others.

short term care insurance products are designed to help protect you from the high and increasing costs of needing short-term care at home or in a nursing home. They generally are purchased to cover gaps in Medicare. Our products typically provide up to 360 days of benefits, are simplified issue and have a variety of benefit options that can be tailored to your specific needs.

Cancer policies cover only one illness (cancer). Critical Illness insurance policies can cover up to 18 different illnesses (varies by carrier) and pay you a lump-sum payment if you are diagnosed with heart attack, cancer, stroke, illness, coma or renal failure and satisfy the survival period for any one of the illnesses covered by your policy.

The majority of people are most comfortable in their own environment where they feel safe and close to the things they love, and home care is the long-term care option that promotes the individual's independence and ability to continue with the normal, daily routine as long as possible.

Hospital Confinement Indemnity Insurance is designed to help fill some of the co-payments, deductibles and out-of-pocket expenses of your health insurance plan. Cash benefits are paid directly to you to help cover the costs associated with hospital confinement, ambulance trips, critical accidents, skilled nursing stays and more.

Our Accident & Health Insurance may supplement existing  insurance  coverage by paying cash benefits for covered losses which may be used to help out out-of-pocket expenses such as: groceries, mortgage payments, medical deductibles or funeral expenses.