Everything you need to know, all in one place
A major health event like Cancer, Heart Attack, or Stroke comes with costs that go far beyond the medical bill. We’ll help you prepare so you can focus on healing, not expenses.
Many are surprised to learn that Original Medicare (Parts A & B) typically pays 80% of your medical bills. However, there is no “Out-of-Pocket Maximum.” If you have a $100,000 surgery, your 20% share is $20,000.
Our Solution: We help you install a “stop-loss” through a Supplement or Advantage plan so your financial exposure has a hard ceiling.
Medicare is designed for “short-term” recovery. It does not pay for extended stays in assisted living or long-term nursing care. For many families, this is the single greatest threat to their retirement savings.
Our Solution: We don’t just look at health; we look at wealth. We integrate long-term care planning into your overall strategy so your hard-earned legacy stays with your family.
If your income is above a certain threshold, the government can add a surcharge to your Medicare premiums (known as IRMAA). Because this is based on tax returns from two years ago, it often catches new retirees by surprise.
Our Solution: We provide an IRMAA analysis to help you understand if you’ll be affected and discuss strategies to help manage these costs over time.
Medicare is excellent at paying for the surgery or the chemo. However, a major diagnosis like Cancer, Heart Attack, or Stroke often creates “hidden costs” that can drain a retirement nest egg quickly.
We offer simple, affordable plans that pay a Tax-Free Lump Sum directly to you upon diagnosis.
Speak with a licensed agent about closing your coverage gaps before a major event puts your retirement at risk. There is no cost and no obligation.
We use cookies to ensure the website's proper operation, to analyze traffic, and to remember your preferences. Learn more.
