FILL THE GAPS MEDICARE LEAVES BEHIND
Medicare Add-On Coverage
Original Medicare pays for only a fraction of hospital and serious illness costs. These add-on plans close those gaps affordably.
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Add-on coverage types we offer
Lump-Sum
Cash benefit paid directly to you
No
Network restrictions on most add-on plans
Coverage for the gaps Medicare leaves open
Hospital Indemnity
Pays a fixed cash benefit for each day you're hospitalized — money you can use for deductibles, copays, transportation, or any bill at all, sent directly to you regardless of what your other insurance pays.
Home Healthcare
Helps cover the cost of skilled nursing visits, home health aides, and personal care assistance so you can recover or age in place at home instead of a facility.
Critical Illness
Pays a lump-sum cash benefit upon diagnosis of a covered condition — including cancer, heart attack, and stroke — to cover treatment costs, lost income, or anything else while you focus on recovery.
Original Medicare covers less than you think
Medicare Part A and Part B leave sizable gaps — deductibles, coinsurance, and long hospital stays. A single hospitalization or a cancer diagnosis can bring out-of-pocket costs that catch retirees off guard. These add-on plans are inexpensive ways to make sure a health event doesn't become a financial one.
Built for Medicare beneficiaries who want fewer surprises
If you're on Medicare, or approaching eligibility, these plans work alongside your existing coverage — Medicare Advantage or Medicare Supplement — to add extra cash protection for hospital stays and serious diagnoses. We'll help you pick only the coverage that makes sense for your health and budget.
Let's fill the gaps in your Medicare coverage.
We'll walk you through hospital indemnity, home healthcare, and critical illness options from top-rated carriers for custom made-to-fit coverage.