Filling the Medicare Gaps

We Can Help You Cover What Medicare Doesn't

While Medicare provides essential coverage for many healthcare needs, it doesn’t always cover everything—leaving important gaps that can lead to unexpected out-of-pocket expenses. That’s where supplemental insurance plans come in. Designed to provide added financial protection and peace of mind, these plans help cover costs that Medicare doesn’t, such as deductibles, copayments, and non-covered services. Options like Hospital Indemnity, Critical Illness, Short-Term Recovery, and Cancer Insurance are tailored to support your health and financial wellbeing during times of illness or recovery, ensuring you're better prepared for whatever life brings.

A man and a woman are jogging on a path in a park.

Cancer Insurance

This supplemental insurance plan provides a lump sum cash benefit if you are diagnosed with cancer. This money can be used to cover copays and coinsurance, experimental or naturopathic treatments not covered by Medicare, as well as travel and lodging, care within the home and assistance with living expenses. It gives you financial flexibility and peace of mind so you can choose the best care for you, rather than being limited to what Medicare covers.

Short-Term Recovery Plans

This is a supplemental health insurance plan that provides cash benefits to cover medical bills, as well as for caregiver fees and in-home health care services. It is designed to fill coverage gaps left by Original Medicare and traditional health insurance.

Critical Illness Coverage

Critical Illness plans pay out a lump sum upon first diagnosis of cancer, stroke, heart attack, or other approved illnesses. The cash can be used to pay hospital bills, travel expenses, alternative medicine, electric bills, mortgage, and more. These plans are typically guaranteed renewable up to age 75.

Hospital Indemnity

Hospital indemnity insurance offers financial support by paying a fixed dollar amount for various healthcare needs, including doctor visits such as chiropractic care, counseling, and primary care appointments. One of its key benefits is that it begins paying immediately—regardless of whether another insurance plan is also contributing. This type of coverage includes protection for the first hospital stay and continues to provide payments even after the policyholder has met their maximum out-of-pocket expenses, offering continued financial relief during times of medical need.