Tailored insurance for your life and health.

Usually, your provider bills Medicare, and Medicare sends the remainder to your Medigap insurer automatically. Some companies may ask you to submit claims directly.

Plans are categorized by cost-sharing level— Bronze (low premiums, high out-of-pocket), Silver, Gold, to Platinum (higher premium, lower cost-sharing). Choose based on your health care usage, provider preferences, budget, and medications.

After diagnosis and claim approval, you’ll receive a lump-sum payment directly—usually within 7–10 business days.

Report changes (like income shifts, address, or household size) via the Marketplace site, by phone, or in person—not by mail. This helps adjust subsidies and may trigger a Special Enrollment Period.

UL offers premium and benefit flexibility, with cash value on a declared interest rate. Whole Life provides fixed premiums, guaranteed cash value, but less flexibility.

You pay a flexible premium: part covers the cost of insurance, fees, and the rest goes into your cash value component. You can pay more to grow the cash value or less, as long as the cash value can cover monthly costs.

Whole Life premiums are fixed and level, remaining the same for your entire life, making budgeting predictable.

Once diagnosed with a covered type of cancer, the policy pays a predetermined amount. You choose how to use the funds—whether for medical bills, household expenses, or treatments not covered by your health plan.

Cash value accumulates through interest credited by the insurer. It may include a minimum guaranteed rate, or for IULs, interest tied to index performance.

Term life offers coverage for a specific period without cash value accumulation. In contrast, whole life (a permanent policy) builds cash value and lasts your entire life.

Marketplace eligibility is based on your Modified Adjusted Gross Income (MAGI). This includes wages, tips, self-employment income, Social Security, and certain investment income—but not gifts, child support, or most disability payments.

Unlike larger-term or universal policies, final expense insurance is easier to qualify for, often requiring no medical exam, and focuses on covering immediate expenses rather than income replacement.

MA plans must meet CMS requirements, provide at least Medicare-equivalent services, and pass on savings and quality incentives to enrollees.

Choose a term length aligned with your financial goals—such as covering a 15-year mortgage or until your children are financially independent.

There are 10 standardized plans labeled A–D, F, G, K–N. Benefits are identical across insurers; only prices vary.