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RetireFlo Survey

Who Do You Know?

Do you know someone who has been diagnosed with a serious
condition like Cancer, Heart Disease or Alzheimer’s?


What would you do in that situation?


Are you concerned about other additional expenses while recovering?


There are alternatives available that many are not aware of. Some of these include Critical Illness
Insurance, Cancer Insurance, & Heart Attack/Stroke Insurance. These options provide funds paid
directly to you, to use as you choose. It’s money you can use to:

  • Help replace lost income while you or your spouse are unable to work
  • Keep up with ongoing expenses
  • Pay health insurance deductibles and copays
  • Hire home care services or child-care
  • Travel to receive treatment

Designed with recovery in mind, these products provide some peace of mind in your time of need.


Policies can pay a lump-sum payment upon first diagnosis — from $10,000 to $100,000, depending on
the amount you select. You also have the choice to cover your family.


Call me today to learn about options that can help with out-of-pocket expenses so you may focus on
what’s important…getting well.

Contact Us

P.S. Good news! More and more people are surviving serious conditions like Cancer and heart attacks.
Allow me to show you how to get the financial help you need while you’re on the road to recovery.

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Medicare
supplement Insurance

Medicare Supplement covers things that Original Medicare doesn’t, like copays, deductibles, and coinsurance. It does all this with a steady, predictable, monthly bill you can budget for. And it can’t be cancelled. It will be renewed for as long as you pay your premium
on time and make no material misrepresentation.

You can add a Prescription Drug Plan and a Dental plan to Medicare supplement
insurance to get even more coverage.

You have to get Medicare Supplement Insurance through a private insurer. You’ll have to pay a monthly premium and depending on the plan you may also have copays.

Medicare Supplement Insurance may be a great fit for you if:
• You want more coverage than original Part A and Part B.
• You’d rather pay a monthly, predictable bill than have to pay out of pocket for an unexpected medical bill.
• You want the freedom to see any doctor who accepts Medicare.
• You want to be able to travel abroad with the confidence you will be covered.1
• You want insurance that can’t ever be cancelled.†

†As long as the premiums are paid on time and
there has been no material misrepresentation.

*Medicare supplement plans do NOT include
Medicare Part D prescription coverage.

Medicare Advantage-Part C

Medicare Advantage combines the coverage of Part A and B – Original Medicare, plus extra benefits. Many plans include prescription drug coverage as well as dental and vision care. Some plans have no copays for most labs or tests. And some even have extra benefits like gym memberships and transportation.

Most plans offer $0 premiums, but you do have to pay your Part B premium. Most plans have copays for treatment. And you’ll continue to pay your Part B premium. Medicare Advantage plans have a yearly limit for out-of-pocket costs you have to pay. Once you reach that amount, you won’t pay more for any of your Medicare costs, your plan will cover it. Different plans have different maximums.

Medicare Advantage plans work all by themselves. They replace Medicare Parts A and B and because of this all-in-one approach, you don't pair them with Medicare Supplement policies.

Medicare Prescription Drug Plan-Part D

Part D covers your prescription drugs and is a great addition to pair with Medicare supplement insurance. You probably won’t need it if you get Medicare Advantage since most Medicare Advantage plans include it. Just remember, which prescriptions are covered depends on which plan you get.

You have to get your Prescription Drug Plan through a private insurer. You’ll pay the monthly premium and a yearly deductible. You'll also pay a coinsurance (a percentage of the cost for your prescriptions) or a copay (a flat fee for some of your prescriptions’ cost). It is important to verify that all of your prescriptions are included in the plan formulary.