Who Do You Know?


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.

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 plans

A Medicare Supplement Insurance Plan is used with original Medicare. Any caregiver that accepts Medicare will take a Medicare Supplement Insurance Plan because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%). It is important to note that Medicare Supplement Insurance Plans do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP. (there are exceptions to this) A Medicare Supplement Insurance Plan does not change year to year (although the cost does generally go up the coverage does not change).

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Medicare
advantage plans

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).

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Medicare Part D
Prescription Drug Plans

Medicare Prescription Drug Plan (Part D). These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost.
A drug in a lower tier will generally cost you less than a drug in a higher tier. In some cases, if your drug is on a higher tier and your prescriber thinks you need that drug instead of a similar drug on a lower tier, you or your prescriber can ask your plan for an exception to get a lower copayment.

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