Dental, Vision, & Hearing (DVH) Insurance provides care at the dentist and benefits like eye examinations, contact lenses, hearing aids, and more. It helps seniors get services not covered by Original Medicare. Individuals and families also should consider DVH insurance to meet needs that are not included in standard medical plans.
There are a range of plans available, so let us help you find the one that’s best for your health needs and financial situation. Individuals and families may qualify for financial assistance with the premium and co-pays, co-insurance, and deductibles depending on their income.
Final Expense Insurance can cover funeral costs, medical bills, probate fees or remaining debt. Don’t leave behind expenses that can burden your family.
Term, Whole, Universal, Variable, Variable/Universal — the choice of Life Insurance plans can be confusing. We can guide you in the best choice for your goals and your family’s needs.
About 70% of individuals older than 65 years will need some kind of long-term care in their lifetime. Plans can cover home care, assisted living, adult daycare, respite care, hospice care, nursing home care and home modification, helping to protect you from the potentially devastating expenses of a disability or chronic condition.
Prescription drug coverage (Part D) is an optional benefit offered to all Medicare Part A and B enrollees. Plans, which are sold and administered by private insurers, vary in which prescription drugs they cover (called a formulary), how they place drugs into different “tiers” on their formularies and co-pay amounts.
Also known as Medigap plans, Medicare Supplement Insurance offer additional coverage for those enrolled in Medicare Parts A and B. These policies can help pay for remaining health care costs that Medicare doesn’t cover, such as copayments, coinsurance and deductibles.
Medicare Advantage Plans offer comprehensive care and low-cost options. Sold by private insurers, they are often HMO/PPO plans, and members have to choose from a network of providers. The plans usually include prescription drug coverage (Part D) and may include extra benefits that Medicare doesn’t cover such as dental, vision, hearing, fitness memberships, and more.
