Providing a comprehensive replacement to Original Medicare, Medicare Advantage Plans, also referred to as Medicare Part C or MA Plans, are offered by private companies and include both Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance).

Private health insurance companies offer Medigap policies, also called Medicare Supplement Insurance, which are designed to provide coverage to policyholders only. If a spouse requires coverage, they must purchase their own separate Medigap policy. These plans are intended to supplement Original Medicare by filling in the gaps, including deductibles, coinsurance, and copayments.

The Medicare prescription drug benefit, also known as Medicare Part D, is a voluntary program that assists Medicare beneficiaries with the costs of self-administered prescription drugs through prescription drug insurance premiums. Optional Medicare Part B covers the cost of nearly all professionally administered prescriptions.

Life Insurance is an important tool to safeguard the financial well-being of those who are most important to you in the event of unforeseen circumstances. Additionally, it is a vital part of estate planning. Life Insurance can be classified into two types: Term Life and Permanent. Term Life Insurance policies are short-term and offer death benefits only, while Permanent Life Insurance policies provide immediate death benefit coverage and accumulate cash value over time.

The central objective of Health Insurance is to cover the costs related to medical conditions such as regular checkups, illnesses, or injuries. These plans are offered in two forms: employer-sponsored or purchased by individuals. Health Insurance plans purchased individually, not through an employer, are available on or off the Federally Funded Marketplace.

Final Expense Insurance, also known as burial insurance, provides coverage for end-of-life expenses, including the cost of funeral arrangements and the expenses associated with your death. Today, the average cost of a funeral is between $8,000 and $10,000, which can be a significant financial burden for families. Final Expense policies offer peace of mind, knowing that your loved ones will have one less thing to worry about during a difficult time.

While enrolling in Original Medicare (Parts A and B), you may realize that dental and vision care is not included in the coverage. In response to this gap in coverage, there are supplemental insurance plans available for dental and vision care. These plans are budget-friendly and help with the expenses of oral and eye check-ups and procedures.