Medicare Supplement Insurance pays in addition to Original Medicare. These plans are also known as: Medigap or Medicare Supplemental Insurance. They are designed to fill the gaps in Original Medicare and can help with copayments, coinsurance, and deductibles.

Medicare Advantage

You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO). If you have Original Medicare, the government pays for Medicare benefits when you get them. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. Medicare pays these companies to cover your Medicare benefits. If you join a Medicare Advantage Plan, the plan will provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage. This is different than a Medicare Supplement Insurance (Medigap) policy.

Life Insurance

A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. Typically, life insurance is chosen based on the needs and goals of the owner. Term life insurance generally provides protection for a set period of time, while permanent insurance, such as whole and universal life, provides lifetime coverage. It's important to note that death benefits from all types of life insurance are generally income tax-free.


Medicare prescription drug coverage (Part D) helps you pay for both brand-name and generic drugs. Medicare drug plans are offered by insurance companies and other private companies approved by Medicare, which doesn’t already include prescription drug coverage.

Under 65 Health Insurance

Health insurance helps protect you from the high costs of health care. It helps you pay for doctor visits, hospital stays, prescription drugs and important preventive care. You can choose from a variety of health insurance plans with different levels of coverage to fit your needs and budget.


Annuities are tax-deferred contracts designed for retirement planning that people can include as part of their retirement savings plan. In return for the premiums you pay to buy the annuity, the insurance company will give you a series of payments that are guaranteed to last for a designated period of time.

Short Term Care

Short term care is a flexible health insurance solution available when you need coverage for a period of transition in your life. It helps cover the cost of different types of care for up to a certain amount of days, like to recover from an illness or injury or to transition from living independently to receiving assisted care at home or in a facility.