Coverage Tailored to Your Retirement

Original Medicare (Parts A & B) covers most medical costs, but it doesn't cover everything. Medicare Supplement plans — also called Medigap — are sold by private insurance companies and help pay for costs that Original Medicare leaves behind, such as copayments, coinsurance, and deductibles.

Key Features

• Use any doctor or hospital that accepts Medicare — nationwide
• No referrals needed to see specialists
• Standardized plans (A, B, D, G, K, L, M, N) — same benefits regardless of carrier
• Plan G is the most comprehensive option for new enrollees
• Premiums vary by carrier — we shop 20+ companies to find you the best rate
• Guaranteed renewable as long as premiums are paid

Medicare Advantage plans are offered by private insurers approved by Medicare. They provide all the benefits of Original Medicare (Parts A & B) and often include additional benefits such as dental, vision, hearing, and prescription drug coverage — sometimes with a $0 monthly premium.

Key Features

• Often includes dental, vision, and hearing coverage
• May include prescription drug coverage (Part D)
• Many plans available with $0 monthly premium
• May include fitness benefits and over-the-counter allowances
• HMO, PPO, and PFFS plan types available
• Annual enrollment period October 15 – December 7

Medicare Part D helps cover the cost of prescription drugs. Standalone Part D plans are used alongside Original Medicare and Medicare Supplement plans. Each plan has its own formulary (list of covered drugs), premiums, deductibles, and copays.

Key Features

• Covers brand-name and generic prescription medications
• Plans vary by formulary, cost, and pharmacy network
• Initial Enrollment Period begins 3 months before your 65th birthday
• Late enrollment penalty applies if you delay without creditable coverage
• Annual Open Enrollment: October 15 – December 7
• We compare plans based on your specific medications

Life insurance provides financial protection for your family in the event of your passing. Final expense insurance — also called burial insurance — is a type of whole life insurance designed specifically for seniors to cover funeral costs, medical bills, and other end-of-life expenses.

Key Features

• Term life insurance for temporary coverage needs
• Whole life insurance for permanent, lifelong protection
• Final expense policies typically $5,000–$25,000 in coverage
• Simplified underwriting — often no medical exam required
• Premiums are locked in and never increase
• Cash value accumulates over time on permanent policies

An annuity is a contract with an insurance company that can provide a guaranteed stream of income during retirement. Fixed annuities offer a guaranteed interest rate, while indexed annuities offer growth potential tied to a market index — with protection against market losses.

Key Features

• Fixed annuities: guaranteed interest rate, no market risk
• Fixed indexed annuities: growth potential with downside protection
• Tax-deferred growth — you don't pay taxes until you withdraw
• Guaranteed income for life options available
• Protect your savings from market volatility
• Can serve as a complement to Social Security income