All-in-one plans that often include hospital, medical, and prescription drug coverage.

Offers extra benefits beyond Original Medicare, like dental, vision, hearing, and fitness programs—all bundled into one easy-to-manage plan.

Helps cover the cost of prescription medications, reducing out-of-pocket expenses.

Specifically designed to help manage prescription drug costs and avoid the Medicare Part D penalty.

Fills in the “gaps” left by Original Medicare, such as copayments, coinsurance, and deductibles.
Coverage continues as long as premiums are paid; typically, doesn’t require yearly renewal.

Offers predictable out-of-pocket costs and nationwide coverage with any provider who accepts Medicare.

http://www.medicare.gov
1-800-MEDICARE

Original Medicare is a federal health insurance program primarily for individuals aged 65 or older, as well as certain younger individuals with disabilities. It consists of two parts:

• Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services.

  • Deductible: For each benefit period, the deductible for Part A is $1,600 (2025), which covers the cost of hospitalization and related services.

• Part B (Medical Insurance): Covers outpatient services, including doctor visits, preventive care, certain medically necessary supplies, and other health services.

  • Deductible: For Part B, the annual deductible is $240 (2025), which must be paid before Medicare covers any services.

After meeting the deductible, you generally pay 20% of the Medicare-approved amount for most services under Part B, and there may be additional coinsurance or copayments depending on the service.

Services Not Covered by Original Medicare:

• Dental care (routine exams, cleanings, and dentures)

• Vision care (eye exams, glasses, contact lenses)

• Hearing aids and hearing exams

• Long-term care (nursing home care)

• Cosmetic surgery

• Acupuncture

• Chiropractic services (unless medically necessary)

• Prescription drugs (unless enrolled in a separate Part D plan)

Offers the potential for higher earnings linked to market indexes, with no risk of market loss.

Typically designed for long-term growth; withdrawal benefits often begin after a surrender period (e.g., 7–10 years).

Provides lifetime income, tax-deferred growth, and protection of principal—ideal for retirement planning.

Guaranteed interest rates for a fixed term, offering stability and predictable growth.

Terms commonly range from 3 to 10 years, depending on the product.

Acts like a higher-yielding CD alternative with tax advantages and a guaranteed rate of return.

Pays a lump-sum benefit upon diagnosis, giving you financial flexibility during treatment.

Renewable annually; benefits paid once per covered diagnosis (some plans offer recurrence benefits).

Money is paid directly to you, not a medical provider—use it however you need (bills, travel, child care, etc.).

Provides daily cash benefits during hospital stays, outpatient surgery, and recovery time.

Ongoing coverage with flexible plan options.

Complements your primary health insurance by covering unexpected costs during hospitalization, such as deductibles or lost income.

Helps cover the cost of extended care services like nursing homes, assisted living, or in-home care.

Benefits are available based on daily or monthly limits, with maximum coverage periods defined in the policy.

Protects your savings and relieves the financial burden on loved ones by covering care not typically paid for by health insurance or Medicare.