Cancer, Heart Attack, & Stroke Insurance

The Basics of Cancer Insurance & Heart Attack/Stroke Insurance

The value of Cancer Insurance &
Heart Attack/Stroke Insurance

With the diagnosis of cancer or heart disease comes the reality of medical bills, time off for treatments, monies for living expenses, and for some, the cost of high deductibles. Cancer Insurance & Heart Attack/Stroke Insurance helps provide the resources you need so you can focus on your treatment, not your finances.

Who needs Cancer Insurance &
Heart Attack/Stroke Insurance?

Families

With Cancer Insurance & Heart Attack/Stroke Insurance, families may have peace of mind knowing they’ve done the right thing to keep the
house running as smoothly as possible.

Individuals in need of a high-deductible filler

Cancer Insurance & Heart Attack/Stroke Insurance may be the ideal solution for those who are worried about covering the costs of a
high-deductible health Insurance policy.

Small Business Owners

Owners are the heart and soul of their small business. If an owner is unable to work for a period of time due to illness or treatment, Cancer Insurance & Heart Attack/Stroke Insurance may help keep operations running as
smoothly as possible for a time.

Are Cancer Insurance & Heart Attack/Stroke Insurance right for you?

Nearly everyone knows someone who has been affected by cancer or heart disease. Unfortunately, many believe that their existing coverage is adequate to cover all the expenses associated with these conditions. As costs and deductibles rise, so may the need for Insurance protection to cover out-of-pocket or living expense costs.

Designed with your recovery in mind

Cancer, Heart Attack & Stroke insurance policies are designed to help you pay both medical and non-medical expenses
so you can focus on getting well.

Ready to get started?

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.