From Medicare and supplemental health coverage to final expense protection, understand your options and take your next step with confidence.
Explore two different paths: Medicare Advantage or Medicare Supplement coverage.
An alternative to Original Medicare through a Medicare-approved private plan. It combines Part A and Part B benefits, usually with prescription drug coverage.
Availability varies by area. You must continue paying your Part B premium. Other costs may apply.
Explore this coverageExtra coverage that works alongside Original Medicare to help pay certain out-of-pocket costs, such as copayments, coinsurance, and deductibles.
Rates vary by policy, location, and other factors. This premium is in addition to your Part B premium.
Explore this coverageCompare enrollment rules, providers, prescriptions, and total costs before choosing. Read the Medicare overview or learn about Medigap.
Explore additional coverage for specific health needs and expenses.
Provides fixed cash benefits for covered hospital stays. These benefits can help with expenses while you focus on recovery.
Explore coverage for dental and eye care, with benefits that may include checkups, cleanings, eye exams, and eyewear, depending on the plan.
Supplemental coverage that may pay benefits for a covered cancer diagnosis or treatment. Payment amounts and qualifying conditions depend on the policy.
These policies provide limited benefits and do not replace comprehensive health insurance. Availability, eligibility, exclusions, and benefits vary by policy and state. Understand supplemental coverage.
Medicaid provides health coverage for eligible people and families through a joint federal and state program. Your state determines eligibility and manages applications.
It is different from Medicare. Some people qualify for both programs.
Find your state’s Medicaid programExplore common plan structures for funeral costs and other final expenses.
These are examples of plan structures. Availability, eligibility, and benefits depend on your carrier, state, age, and health profile.
A starting point for a helpful conversation with your licensed agent.
| What to consider | Level Benefit | Graded Benefit | Guaranteed Issue |
|---|---|---|---|
| Who it may suit | Generally favorable health history | Some pre-existing health conditions | People unable to qualify for other plans |
| When benefits begin | Full coverage from the policy effective date | Benefits phase in over the first policy years | A waiting period usually applies to full benefits |
| Health requirements | Health questions typically required | Some health questions may apply | Often no health questions or medical exam |
| Premium considerations | Depends on age, health, and coverage | Reflects health history and coverage | Typically higher for comparable coverage |
Policy documents govern coverage. Ask about exclusions, waiting periods, benefit schedules, and premium guarantees before enrolling.
Look beyond the coverage amount. A good conversation helps you understand what a policy means for you and your loved ones.
Explore my options
The people who matter most.The little things you do today can mean so much to the people you love. Let’s explore a plan that feels right for your family.
