Medicare Advantage Plans, also known as Part C or “MA”

plans, are typically HMOs that provide more robust

coverage — including services outside of traditional

service areas — that traditional Medicare doesn’t cover.

Commonly referred to as “Medigap” plans, Medicare

Supplement Plans help pay for Medicare Part A or Part B

expenses not covered by traditional Medicare.

Part D is Medicare drug coverage that helps cover the

costs of prescription drugs, and in some cases, lower or

protect against higher costs.

Fixed indexed annuities are fixed annuities that are typically tied to a stock market index and guarantee fixed payments over time.

Deferred annuities, which are typically purchased to
supplement retirement income, offer tax-advantaged
growth and savings with the ability to receive income
payments guaranteed for life, is desired.

Commonly referred to as ordinary life insurance, whole
life insurance accrues cash value tax-deferred while it
grows. Unlike term life insurance, whole life insurance
does not have an expiration date.

The most affordable form of life insurance, term life
insurance provides coverage for a specific period of
time. Unlike whole life insurance, term life insurance
does not build cash value or pay a death benefit once
the policy term has expired.

Indexed Universal Life Insurance has both whole life and
savings elements. It is intended to ease the financial
burden on families by serving as a financial safety net.

Traditional health insurance plans for individuals and

families, with or without a workplace or group insurance

option.

Coverage for annual exams and cleanings, with options

to include additional coverage for services such as

orthodontics.

Coverage for annual exams, prescription glasses and

contacts, cataract surgery, and discounts on services

such as LASIK vision correction.

Coverage for exams, evaluations and treatments for

hearing loss; some plans may offer coverage for hearing

aid solutions.

Coverage for select costs incurred during a hospital stay

or following an accident typically not covered by

traditional health insurance.

Critical illness coverage supplements a traditional health

insurance plan by paying a lump sum benefit in the

event of a covered illness. It may also cover clinical trials,

transportation expenses, mortgage or rent payments,

and other unexpected costs.

Coverage for select costs associated with cancer care not

typically covered by traditional health insurance.

Short-term care coverage typically covers home care,

assisted living, and nursing home care for up to

12 months.

Similar to short-term care, long-term care or LTC
provides a broad and longer range of care for daily
living, and often pays for services not covered by
Medicare or traditional health insurance.