Medicare Part A covers hospital stays, skilled nursing care, and some home health care. Medicare Part B helps cover doctor visits, outpatient services, preventive care, and medical supplies.

Original Medicare (Parts A & B) covers hospital and medical services, but it doesn’t include things like dental, vision, or prescription drugs. Medicare Advantage Plans often combine these extras in one plan, but your choice depends on your health needs and budget.

Yes. If you don’t enroll in a Medicare prescription drug plan (Part D) when you are first eligible and you don’t have other creditable coverage (such as drug coverage through an employer or union), you may face a late enrollment penalty. This penalty is added to your Part D premium and lasts as long as you have Part D coverage. Signing up on time helps you avoid this penalty.

Each year, Medicare Open Enrollment runs from October 15 through December 7. During this time, you can switch, join, or drop a Medicare Advantage or Part D drug plan.

Final expense insurance is a type of whole life insurance designed to cover funeral costs, medical bills, and other end-of-life expenses. It’s often more affordable and easier to qualify for than larger life insurance policies.

• Final Expense Insurance is a smaller whole life policy, usually ranging from $5,000–$25,000, designed specifically to cover end-of-life costs such as funeral expenses, medical bills, or outstanding debts. It’s easier to qualify for, often requiring no medical exam, just a health questionnaire. Premiums are usually higher per dollar of coverage because the benefit is smaller and guaranteed for life.

• Life Insurance (Term or Whole Life) can provide much larger coverage amounts, often from $50,000 to several million dollars, and is intended to protect your family’s financial security. It can cover income replacement, mortgage payments, children’s education, and future living expenses. Depending on the type (term vs. whole life), premiums and qualifications vary.

In short: Final expense insurance is about easing the burden of funeral and immediate costs, while life insurance is about providing long-term financial protection for your family.

Most people choose coverage between $10,000–$25,000, depending on their wishes for funeral arrangements and outstanding bills. We’ll work with you to find a plan that fits your family’s needs and budget.

An annuity is a financial product that provides a steady stream of income, usually for retirement. You make a lump-sum payment or series of payments, and in return, the annuity pays you back over time, often monthly, quarterly, or annually.

Annuities are backed by insurance companies and are generally considered a safe, low-risk way to generate guaranteed income. However, different types of annuities (fixed, indexed, variable) come with different levels of risk and potential growth.

Ancillary (or supplemental) insurance plans provide extra coverage to help with expenses not fully covered by your main health insurance. These plans pay benefits directly to you, which you can use for medical costs or everyday expenses if you’re dealing with a serious illness or accident.

Examples include:

• Cancer Insurance – helps cover treatment costs, travel, or lost income during cancer care.

• Hospital Indemnity Insurance – pays a cash benefit if you’re admitted to the hospital, helping with deductibles or daily living expenses.

• Critical Illness / Stroke Insurance – provides a lump-sum payment if you experience a covered condition like a heart attack or stroke.

These plans are designed to give you financial peace of mind by filling gaps and helping protect your savings if the unexpected happens.