Senior Products

ANNUITIES

 

An annuity is a contract between you and your insurance company that allows your earnings to grow and compound tax deferred. Tax deferral is a powerful benefit you can use to help accumulate wealth for your retirement or meet other longterm financial goals.

MEDICARE SUPPLEMENT

 

A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S.

MEDICARE ADVANTAGE

 

Medicare Advantage plans are available from private companies that contract with the Centers for Medicare and Medicaid Services to provide Medicare benefits to enrollees. The plans must provide all benefits provided by Medicare. They may also provide additional benefits. Members pay the plan premium, if any. Plans may charge copayments or coinsurance amounts for various services

PART D PRESCRIPTION PLANS

 

Medicare offers prescription drug plans, often called PDPs, for everyone with Medicare. This coverage is called "Part D". Like Medicare Advantage and Medicare Supplements, Medicare Part D plans are sold by private insurance companies with the approval of Medicare.

LONG TERM CARE

 

Long-term care insurance policies reimburse policyholders for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.

RECOVERY/ HOME HEALTH CARE

 

Recovery and Home Health Care insurance can help manage a variety of care expenses including temporary stays in a nursing facility or assisted care at your home. Not to be confused with long-term care insurance, recovery care pays benefits to help manage expenses that are overlooked by Medicare and Long Term Care plans.

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