Tailored insurance for your life and health.

Part D plans must offer MTM services at no extra cost to eligible beneficiaries with multiple chronic conditions and high drug use, helping manage medication regimens.

Short-term medical insurance, also known as temporary health insurance, provides flexible, temporary coverage—typically from 30 to 364 days—to protect you during gaps between longer-term policies.

Term life insurance provides a death benefit to your beneficiaries if you die within a set period—typically 10, 20, or 30 years. It’s designed for financial protection during high-need years, like raising a family or paying off a mortgage.

An elimination period in LTC Insurance is a waiting period (30–365 days) before the policy pays benefits. Longer elimination periods generally result in lower premiums.

If you delay enrolling without having creditable drug coverage, you’ll pay a permanent penalty—a percentage added to your premium based on how long you delayed.

Universal Life is a type of permanent life insurance that provides lifelong protection while letting you build tax-deferred cash value and adjust premiums and death benefits over time.

Whole life insurance is a permanent life insurance policy that provides lifelong coverage, a guaranteed death benefit, and a tax-deferred savings component known as cash value.

Common coverages include hospital admission and daily hospital confinement, intensive care stays, and often outpatient surgery, emergency room visits, ambulance services, and doctor visits depending on the plan.

Plans typically cover emergencies, hospital stays, doctor visits, diagnostic tests, and sometimes prescriptions. However, they don’t include essential health benefits required by the ACA, such as maternity, dental, vision, or preventive care.

These plans usually include preventive dental care (cleanings, exams), vision exams, prescription eyewear, hearing exams, and often hearing aids or credits toward them. Detailed benefits vary by carrier and plan level.

New benefits include expanded behavioral health access, enhanced mental health coverage, and midyear alerts for unused supplemental benefits.

After the year ends, you’ll receive Form 1095-A from the Marketplace to reconcile your subsidies on your tax return. Use Form 8962 to claim or repay the premium tax credit.

These policies typically cover home health care, adult day care, assisted living, nursing homes, memory care, respite care, and sometimes home modifications or hospice.

• Traditional LTCI: covers only long-term care.
• Hybrid policies: combine life insurance or annuity with LTC benefits.
• Life policy riders: add LTC benefits to a life insurance policy.

Common types include Traditional UL, Indexed UL (IUL), Guaranteed UL (GUL), Variable UL (VUL), and Single-Premium UL—each offering different cash-value growth or guarantees.