Ancillary Products
Medicare doesn’t cover everything. You may be looking to round out your coverage.
Hospital Indemnity
Why consider Hospital Indemnity?
Medicare Advantage (MA) plans can leave you with steep, unexpected out-of-pocket bills—especially during the first few days of a hospital stay.
A Hospital Indemnity Insurance plan pays cash directly to you for covered hospital stays. This gives you extra financial protection so you can focus entirely on recovering, rather than stressing over unexpected medical bills.
Short-Term Care
Why consider Short-Term Care?
Original Medicare and Medicare Advantage only cover up to 20 days of home healthcare or nursing home care. After day 20, you have to pay part or all of the daily cost out of pocket.
A Short-Term Care Insurance plan fills that gap by providing coverage for up to a full year, protecting your savings from costly daily bills if you need extended recovery or assistance at home or in a facility.
Cancer, Heart Attack, & Stroke or Critical Illness
Why consider Cancer, Heart Attack, & Stroke or Critical Illness coverage? A major medical diagnosis can bring massive, unexpected expenses that standard Medicare coverage won't completely cover—from specialized treatments to daily out-of-pocket costs.
A Critical Illness Insurance plan pays you a cash benefit if you face a serious health condition like cancer, a heart attack, or a stroke. It gives you the financial cushion you need so you can focus 100% of your energy on your recovery, not your bank account.
Final Expense
Why consider Final Expense Life Insurance?
Standard Medicare and Medicare Advantage plans do not pay for end-of-life costs, leaving your loved ones to handle those expenses out of pocket.
A Final Expense (or "Burial") Insurance plan provides a cash payout to cover funeral costs, remaining medical bills, or lingering debts. It ensures your family isn't burdened with unexpected bills during an already difficult time.
Accident Policy
Why consider Accident Insurance?
Unexpected accidents can happen in an instant, bringing sudden out-of-pocket medical bills that standard health coverage might not fully pay for.
An Accident Insurance plan provides direct financial cash benefits to help cover the costs of emergency treatments, hospital stays, severe injuries, or permanent disability. It protects your personal finances so an unexpected injury doesn't derail your savings.
