Plan Options
Medicare Supplement Insurance Plan
A Medicare Supplement plan, also called Medigap, is private insurance that works alongside Original Medicare. These plans help pay certain out-of-pocket costs for Medicare Part A and Part B. To enroll, you must have both Medicare Part A and Part B. Medicare Supplement plans are standardized and offered by private insurance carriers, with several plan options that vary by coverage and premium. Some plans may require underwriting, and prescription drug coverage is not included.
Medicare Advantage Prescription Drug (MAPD) and Medicare Advantage (MA) Plans
A MAPD plan, also called Medicare Part C, includes Original Medicare Part A and Part B benefits plus Part D prescription drug coverage. These plans may also offer extra benefits such as routine dental, vision, hearing, fitness, wellness services, and/or a nurse helpline. A MAPD plan may be a good fit if you want coverage beyond Original Medicare. It is very important to consider that if you select this type of plan you agree to the carrier’s provider network, plan terms, and conditions, and your Medicare Parts A, B, and D coverage will be managed by the plan’s carrier. Most MA plans offer similar benefits but do not include Part D prescription drug coverage. These plans have specific enrollment requirements.
Medicare Prescription Drug Plan
To review your Part D plan options, contact 1-800-MEDICARE or visit www.medicare.gov.
Medicare-approved private insurance carriers offer Part D prescription drug plans to people with Original Medicare. A PDP helps members pay for prescription medications. Enrolling when you first become eligible for Medicare may help you avoid a late enrollment penalty, unless you have other creditable coverage or qualify for Extra Help.
Dental Vision and Hearing (DVH) Insurance Plan
An individual dental plan can help cover preventive, basic, and major dental services while reducing the impact of rising dental care costs and out-of-pocket expenses. These stand-alone plans do not coordinate benefits with other dental insurance. Some plans may also include vision and hearing coverage.
Individual dental, vision, and hearing plans provide a range of covered services and benefit levels that can be tailored to your needs and budget. You may enroll in an individual DVH plan anytime during the year, with no underwriting required.
Hospital Indemnity Plan
A hospital indemnity plan pays cash benefits directly to you if you are hospitalized. You can use these benefits at your discretion to help cover out-of-pocket costs, such as copays and deductibles. Originally designed to complement Medicare Advantage plans as hospitalization copays continue to rise, these plans may also serve as stand-alone coverage for individuals without health insurance.
Critical Illness Insurance Plan
Critical illness insurance helps protect you from the financial impact of a serious illness, including conditions such as cancer, heart attack, and stroke. If you or a covered dependent is diagnosed with a covered condition, the plan pays a lump-sum cash benefit directly to you. You can use the money for expenses such as deductibles, lost income, travel, or alternative treatments, so you can focus on recovery. These plans are available for year-round enrollment and require medical underwriting for eligibility.
Short Term Care Insurance Plan
Short-Term Care Insurance (STCI) is an affordable, easily accessible alternative to long-term care insurance that protects your savings by covering home care, assisted living, or nursing home stays for a temporary period, typically up to 360 days. Because Medicare does not pay for custodial care—the non-medical help needed for daily activities like bathing and dressing, STCI fills a critical financial gap by paying cash benefits directly to you. Many policies can be customized to fit your budget, and some will even restore your full benefits if you recover and go 180 days without needing care These plans are available for year-round enrollment and require medical underwriting for eligibility.
Cancer Protection Insurance Plan
Supplemental cancer insurance pays a cash benefit directly to you after a covered cancer diagnosis, helping offset out-of-pocket costs that traditional health insurance or Medicare may not fully cover. These benefits can help with deductibles, copays, travel to specialized treatment centers, or everyday expenses such as bills and housing, giving you more flexibility while you focus on recovery. These plans are available for year-round enrollment and require medical underwriting for eligibility.
Life Insurance
Life insurance is a legal contract between you and an insurance company. You make regular payments (premiums), and in return, the insurer provides a tax-free lump-sum payout (the death benefit) to your designated beneficiaries when you pass away. It exists to replace lost income, pay off debts, pay for college, funeral/burial, or other expenses the insured desires. These plans are available for year-round enrollment and require underwriting for eligibility.
There are two main types of Life Insurance:
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Term Life Insurance: Provides coverage for a specific, set number of years (e.g., 10, 20, or 30 years). It is generally more affordable and only pays out if you pass away during that specific time frame. If you outlive the term, the policy expires.
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Permanent Life Insurance: Covers you for your entire lifetime, if you pay the premiums. It typically includes a "cash value" component that grows over time, which you can borrow against or withdraw from while you are alive. Common types include Whole Life and Universal Life.
Final Expense Insurance
Final expense insurance is a type of permanent life insurance designed to help cover end-of-life costs, such as funeral, burial or cremation expenses, medical bills, probate fees, and estate-settlement costs. Its purpose is to ease the financial burden on loved ones after your passing. These plans are available for year-round enrollment and require medical underwriting for eligibility.