Medicare Supplement Insurance (Medigap)
A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
Medicare Advantage Plans (Part C)
A type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.
Dental, Vision and Hearing Plus Insurance (Medicare Doesn't Cover)
Your teeth, eyesight and hearing are part of your quality of life. Poor oral health is linked with respiratory disease, cardiovascular disease and diabetes. Choose an affordable plan to protect these assets based on your needs and budget.
Hospital Indemnity Insurance (Help with Part C Out-Of-Pocket Costs)
Because accidents or serious illness can happen at any time, and the high cost of hospitalization and related expenses can be overwhelming, Hospital Indemnity Insurance plan can help provide a safe harbor for you and your family.
First Diagnosis Cancer Insurance (Cash To Use As You See Fit)
Unfortunately we live in an age where Cancer is prevalent. First Diagnosis Cancer plan can help with the financial burden when a person receives a pathological diagnosis of internal cancer or malignant melanoma. This is a one time benefit, paid directly to you, to use how you see fit.
Final Expense Life Insurance (Ease The Hardship)
Perhaps the most difficult challenge that anyone faces is the death of a loved one. This hardship is compounded all too frequently by financial loss. Final Expense Insurance plan can help ease this financial burden for you and your family.
Short Term Recovery Care Insurance (Medicare Doesn't Cover Custodial Care)
How will you pay for the unexpected accident or illness that requires a short stay in a Nursing or Assisted Living Facility or for Home Health Care, Adult Day Care or Hospice Care? You can’t predict the future, but you can prepare for it. Unexpected injury or illness can quickly drain your savings and retirement funds. Short Term Recovery Care can help cover these costly expenses while you recover in a Nursing or Assisted Living Facility or for expenses related to Home Health Care, Adult Daycare or Hospice Care.
WHY SHORT TERM RECOVERY CARE INSURANCE?
You can’t predict the future, but you can prepare for it
How will you pay for the unexpected accident or illness that requires a short stay in a Nursing or Assisted Living Facility or for Home Health Care, Adult Day Care or Hospice Care?
- Nursing Home Private Room average cost per day is $253
- Nursing Home Semi-Private Room average cost per day is $225
- Assisted Living Facility average cost per day is $119
- Home Health Aid average cost per hour is $127
- Homemaker Services average cost per hour is $125
- Adult Daycare Services average cost per hour is $68.
Regardless of the kind of insurance you have, Short Term Recovery Care Insurance can help protect your financial future. You could use your savings or retirement income to help pay for your recovery, or you can rely on Short Term Recovery Care Insurance to help you protect your assets, rather than exposing them to risk.
Ask me about your Medicare options by calling 770-285-5629 or Schedule an Appointment below. A licensed independent insurance agent appointed with multiple carriers will help you make an informed decision. Agent is not connected in any way with the federal or state government or Medicare.