Tailored insurance for your life and health.

Yes. Most long-term care insurance policies offer flexibility in where you receive care—whether at home, in an assisted living facility, nursing home, or a licensed home health care provider. Some policies even offer international coverage depending on the carrier.

Yes—many term policies offer a conversion option that allows you to switch to a permanent policy without a medical exam.

Yes! If you’re self-employed or a freelancer without employer coverage, you can apply for Marketplace coverage. Many self-employed individuals qualify for premium tax credits and cost-sharing reductions.

Many policies allow date changes before departure, and some automatically extend coverage if your return is delayed by a covered reason; otherwise you may need to endorse or repurchase. Always confirm with your provider.

Absolutely—many insurers, including Humana and Aflac, offer bundle options that combine all three coverages under one plan and single monthly payment.

Pre-existing conditions are typically excluded, meaning diagnoses before your effective date aren’t covered. In some cases, if cancer was in remission, coverage may resume.

Yes—and it’s often recommended. STD bridges short absences, while LTD supports longer-term disability. They often coordinate so STD benefits pay first, then LTD begins.

Absolutely. Cancer insurance is designed to supplement—not replace—other coverages like Medicare, employer plans, or ACA policies.

Absolutely. You can stack multiple term policies, such as personal and workplace coverage .

Yes. Depending on the plan, you may access both in-network and out-of-network providers, though using in-network professionals is often more cost-effective.

MA plans use provider networks. You typically must stay in-network, unless it’s an HMO with out-of-network emergency coverage or a PPO with higher costs. Check your plan’s provider list.

That depends on the plan’s provider network. Always check if your preferred doctors, hospitals, or specialists are in-network before enrolling. Out-of-network care is often more expensive or not covered.

Many employer-offered plans include portability options, allowing you to continue coverage by paying premiums directly—though availability varies by state.

Yes. Medigap allows you to see any doctor or provider who accepts Medicare assignment—giving you nationwide flexibility.

Sometimes. Some plans allow any provider without a network; others use PPO networks—so check to ensure your doctor is covered.