Tailored insurance for your life and health.

Yes. Most plans include a waiting period (typically 30 days) after enrollment during which claims for a diagnosis may be excluded or limited.

Some carriers offer graded-benefit policies with waiting periods—commonly two years—while others provide immediate coverage once approved. Always review policy terms.

Consider MA for bundled coverage, extra benefits, Part B givebacks, and max out-of-pocket protection. Original Medicare offers nationwide provider freedom and works with Medigap but lacks annual caps.

Medigap offers provider freedom and predictable costs, while Advantage includes additional perks but restricts providers and may need referrals. Choice depends on needs and preferences.

During your Open Enrollment, all conditions are covered. Outside that, insurers may impose waiting periods (usually up to 6 months) or deny coverage based on health history.

Premiums depend on your age, gender, health status, occupation, lifestyle habits (e.g., smoking), and the coverage amount.

Guaranteed issue rights allow you to buy certain Medigap plans without health questions if you meet specific events (like leaving a Medicare Advantage plan under a trial right).

New rules include the out-of-pocket cap at $2,000, simplified cost-sharing phases, and optional payment smoothing to spread costs over the year.

• Bronze – lowest monthly premium, highest out-of-pocket costs
• Silver – moderate premium and cost-sharing (qualifies for most subsidies)
• Gold – higher premium, lower out-of-pocket
• Platinum – highest premium, lowest out-of-pocket

Coverage quality is the same across tiers—only the cost-sharing structure changes.

You can enroll during your Initial Enrollment Period (IEP), the Annual Enrollment Period (Oct 15–Dec 7), or a Special Enrollment Period (SEP) after a qualifying event. There’s also a Medicare Advantage Open Enrollment (Jan 1–Mar 31) for switching or dropping your MA plan.

Pros include flexible premiums, adjustable death benefits, access to cash value, and potential tax-advantaged growth.

Cons include policy complexity, risk of lapse, non-guaranteed returns, potential for high fees, and responsibility to actively manage policy .

Though often cheaper, coverage is limited—and may include caps on care, exclusions, and high out-of-pocket costs.

Some UL policies include accelerated death benefit riders, allowing you to access part of the death benefit for critical illness or long-term care expenses.

All Marketplace plans must include 10 Essential Health Benefits: hospitalization, preventive services, mental health, prescription drugs, maternity care, lab services, pediatric care (including oral and vision for kids), rehabilitation, ambulatory care, and emergency services.

At minimum: travel medical, medical evacuation/repatriation, trip cancellation/interruption, trip delay, and baggage. Confirm the policy covers your destinations, trip length, and planned activities.