Coverage
Coverage that actually fits your situation.
Medicare is our specialty — Advantage, Supplement, and Part D plans — and we also help with ACA Marketplace health plans and supplemental coverage that fills the gaps beside one. Here's what we help with, explained without the sales pitch.
Medicare
Turning 65, or ready for a second opinion on your plan?
Medicare is what we do most. We'll walk you through Original Medicare, Medicare Advantage, Medicare Supplement, and Part D side by side — in plain English, with no pressure to pick the plan that pays us the most.
Medicare
Most Medicare Advantage plans have a $0 monthly premium- What it’s for
- Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans — for people turning 65, already on Medicare, or helping a parent sort it out.
- How it works
- [Describe your actual process — e.g. a no-cost plan review during your Initial Enrollment Period, Annual Enrollment (Oct 15 – Dec 7), or a qualifying Special Enrollment Period, comparing carriers and plans side by side.]
- Good for
- [Anyone new to Medicare, people whose current plan no longer fits their doctors or budget, adult children helping a parent choose a plan]
Major medical
Not yet on Medicare? We help with Marketplace plans too.
Whether you're shopping Healthcare.gov for the first time or your Special Enrollment window just opened, we'll walk you through the actual options — not just the ones that pay us the most.
Health Insurance Marketplace (ACA)
Cost depends on income & household — subsidies may apply- What it’s for
- Finding and enrolling in a Health Insurance Marketplace (ACA) plan — your actual major medical coverage, not a supplement to it.
- How it works
- [Describe your actual process — e.g. a free plan-comparison session during Open Enrollment or after a qualifying life event, checking subsidy eligibility, and walking through metal tiers side by side.]
- Good for
- [Self-employed people, early retirees, anyone without employer coverage, people between jobs]
Supplemental coverage
Coverage that fills the gaps beside your health plan.
These plans work alongside your health insurance — ACA Marketplace or otherwise — they don't replace it. Think of them as a cash cushion for the costs your main policy doesn't touch: deductibles, lost income, everyday bills while you recover.
Accident Insurance
Starting at [$X/month]- What it’s for
- Covers costs from a covered accidental injury — ER visits, X-rays, physical therapy, ambulance rides.
- How it pays
- A lump-sum cash benefit, paid directly to you, based on the type of injury and treatment.
- Good for
- [Active families, people with high-deductible health plans, anyone whose job has physical risk]
Critical Illness Insurance
Starting at [$X/month]- What it’s for
- A lump-sum payout if you're diagnosed with a covered serious illness — heart attack, stroke, cancer, etc.
- How it pays
- One payment on diagnosis, no bills required — use it for treatment, travel to specialists, or just keeping the lights on.
- Good for
- [Anyone with a family history of covered conditions, self-employed people without paid sick leave]
Hospital Indemnity
Starting at [$X/month]- What it’s for
- A daily or per-stay cash benefit for hospital admissions.
- Good for
- [People with high-deductible plans who'd otherwise pay thousands out of pocket for a stay]
Disability Insurance
Starting at [$X/month]- What it’s for
- Replaces a portion of your income if you can't work due to a covered injury or illness.
- Good for
- [Anyone who doesn't have employer-paid short-term disability]
Frequently asked
Questions worth asking before you buy.
When can I enroll in Medicare, or switch plans?+
Your Initial Enrollment Period runs 3 months before to 3 months after you turn 65. After that, the Annual Enrollment Period (October 15 – December 7) lets you switch Medicare Advantage or Part D plans for the following year, and certain life events open a Special Enrollment Period. [Confirm which windows apply to your situation before publishing.]
Does Medicare Advantage replace my other coverage?+
Medicare Advantage (Part C) is offered by private insurers as an alternative to Original Medicare, and typically bundles hospital, medical, and often drug coverage into one plan. Medicare Supplement (Medigap) works differently — it pairs with Original Medicare to help cover the gaps. We'll walk you through which fits your situation.
Does this replace my health insurance?+
Depends which one. An ACA Marketplace plan is your major medical health insurance. Our supplemental plans (accident, critical illness, hospital indemnity, disability) work alongside whatever major medical you already have — they don't replace it.
When can I sign up for an ACA Marketplace plan?+
Nationally, Open Enrollment typically runs November 1 through January 15, and a Special Enrollment Period opens after certain life events — losing coverage, moving, having a baby, and similar. [Confirm your state's exact windows — some state-based marketplaces extend beyond the federal dates.]
Do I need a medical exam?+
[Answer honestly per your actual underwriting — most voluntary supplemental plans don't require one, but confirm before publishing. ACA Marketplace plans never require one by law.]
How fast are claims paid?+
Most approved claims are paid within 7 days.
Can I get coverage through my employer?+
[Yes/no + how group enrollment works, if you offer it.]