Product Overview

Long Term Care –

Long-term care insurance helps to ensure that people can afford long-term care if they need it. This type of policy can cover assistance with home health care, assisted living, skilled nursing, or other services like adult day care and care coordination. Benefits are triggered after the policyholder has satisfied their Elimination Period and has been certified as needing hands-on help with at least two of the six standard Activities of Daily Living for at least 90 days. The Activities of Daily Living include:

Other triggers include severe cognitive impairments such as Alzheimer’s or other forms of dementia.

Most policies have a limit to the amount of benefits that can be paid out, such as a specific number of years or a total-dollar amount. When purchasing a policy, the applicant selects the benefit amount and duration to fit their budget and anticipated needs.

Product Overview

Short Term Care –

Short-term care insurance – sometimes called “recovery care” – usually provides benefits for a maximum of 12 months or less. These types of policies can be less expensive than traditional long-term care insurance, and the medical qualifications required for enrollment can be slightly easier.

Generally, benefits from a short-term care policy are triggered the same way as benefits are triggered from a traditional long term care insurance policy. However, that is not always the case. Because they are relatively new to the market, these polices can vary greatly in the benefits offered. Some offer Prescription Drug benefits, some offer Dental/Vision benefits or Hospital Indemnity Benefits, or even Ambulance benefits, just to name a few. Underwriting requirements can also vary from company to company. Understanding these differences are why it’s so important to work with experts.

Product Overview

Dental/Vision/Hearing –

Especially for seniors, issues with their teeth, eyesight and hearing can greatly affect their overall quality of life. Unexpected problems can be painful, inconvenient and expensive — and Original Medicare does not cover typical dental, vision and hearing exams and expenses (nor do Medicare Supplements). To complete your coverage, select a plan that offers immediate access to basic and preventative services. These plans are not tied to any network — so enrollees can choose the provider that they want to see.

Product Overview

Hospital Indemnity –

Hospital indemnity insurance pays a set amount for each day that an enrollee is hospitalized, without regard to the hospital expenses incurred. This supplemental insurance policy may also include payments per ambulance trip, surgery visit, or even increased payments for more critical ailments such as cancer, stroke, or heart attack.
Payouts from a hospital indemnity plan can be used for whatever purpose the beneficiary chooses, because this type of plan is not connected to specific services; payments are dependent on certain events.

For seniors on a limited income, this kind of policy can offset some of the extra expenses incurred by a hospital stay, ambulance trip, etc. that are not covered by their existing coverage.

Product Overview

Cancer –

In order to manage the risks associated with cancer and its many forms, we offer a variety of cancer insurance policies. These supplemental health insurance plans are designed to fill in any gaps left by conventional insurance policies, but may not provide coverage for the full range of health issues related to the disease.
Eligibility is a major issue for applicants; usually, those with a pre-existing cancer diagnosis are not eligible for this type of coverage. (The factors that determine eligibility vary from insurer to insurer.)