supplemental plans for individuals
We offer supplemental plans to cover your other life concerns.
Medicare Supplemental (Medigap)
This can be very confusing. Before you turn 65, we can look at policies that can help with costs that are not covered under regular Medicare coverage. Since Part A and B cover about 80% of the typical healthcare costs for seniors, you can purchase a Med Sup or Medigap plan designed to extend your coverage, lessen costs and give you peace of mind. We can look at your medications to help you with a Part D plan and get you coverage for your dental, vision and hearing.
Long Term Care (LTC)
Providing coverage for nursing home care, home health and personal or adult care for anyone over 65 with a chronic or disabling condition. Allows for more flexibility and options that public assistance programs such as Medicaid and Medicare only provide limited coverages. “Get care the way you want to, not the way you have to.”
Annuities can have provisions that provide you a fixed sum of money each year until a designated age. It can be in the form of a lump sum or payments. Fixed and variable annuities available.
403bs are retirement accounts for certain employees of public schools or tax-exempt organizations. Cousin to the 401k. We can help refer you to a qualified individual who can help with your 403b, 401k needs.
Insurance that will provide income in the event a worker is unable to perform their job and can earn income due to the disability. Various exclusions, time frames available.
These can be in the form of PPO, Indemnity, and discount plans. Can provide a fixed amount for a certain service or a percentage towards usual and customary costs with a max benefit amount per person each year.
Can cover your costs associated with traveling domestically or abroad. You can get reimbursed for your prepaid, non-refundable trip costs, overseas emergency assistance, accommodation and travel expenses, family emergencies, resumption of your journey, alternative transportation, theft of cash or travelers cheques, documents, or death while traveling.