For seniors, traditional Medicare coverage often isn’t enough. Costs of maintaining your health can sometimes far exceed your expectations and your budget. Senior Financial Solutions offers many options for filling in the gaps of your coverage. Medicare Supplements and Medicare Advantage Plans are available to Medicare beneficiaries and can provide additional help, such as vision, hearing, dental, and wellness programs. Prescription Drug coverage can greatly reduce, and in some cases completely cover drug costs that many seniors are now paying out of pocket for. A cancer diagnosis can be a devastating blow, and unforeseen expenses should be the last thing for you to worry about. A cancer insurance policy can help cover unexpected and expensive out-of-pocket costs that occur during this time. A hospital stay is also an experience where you want to focus on getting well, not on additional expenses. A Hospital Indemnity plan can help with any costs that may accumulate during a hospital stay.

Medicare Advantage Plans

Sometimes called “Part C” or “MA Plans”, this coverage is offered by private companies approved by the Centers for Medicare and Medicaid Services. A Medicare Advantage Plan provides all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs and most include Medicare prescription drug coverage (Part D). Our qualified and knowledgeable representatives are available to assist you in applying for the best Medicare Advantage plan to fit your needs.

Medicare Supplements

This coverage, sometimes called “MediGap” or “MedSup” is available to Medicare beneficiaries and provides coverage for medical expenses not or only partially covered by Medicare. These plans provide supplemental health insurance protection wrapped around traditional Medicare parts A and B. They are standardized into ten different plans, with each plan offering a different combination of benefits. Medicare Supplement plans vary from state to state, so please contact us for more details.

Prescription Drug Plans

Prescription Drug Plans are also known as “PDP Plans” or “Medicare Part D”. For many people, prescription drugs are a major expense, and not always covered by their existing health care. Many seniors with Medicare qualify for prescription drug coverage that greatly reduces and in some cases completely covers prescription costs. Our representatives can determine if you qualify, and assist you in the application process.

Cancer Protection Coverage

Once a diagnosis of cancer has been made, your medical expenses should be the least of your concerns. The financial costs of cancer care are a burden, both to those diagnosed with the disease and their loved ones. A cancer insurance policy can help cover unexpected and expensive out-of-pocket costs that occur during this uncertain period of your life. To help protect yourself and your family from these burdens, please let one of our qualified representatives provide you with more details.

Hospital Indemnity Insurance Coverage

This Insurance is designed to help you cover any additional costs that may accumulate during a hospital stay. A Hospital Indemnity plan only costs a small premium, which does NOT increase with age. No medical exams are required to qualify. The predetermined benefits of this plan are paid regardless of any other coverage you might have, and are paid directly to YOU- not to the doctor or hospital- so that you can spend it as you need to. If you are interested in hearing more about this addition to your health coverage, one of our qualified agents will be happy to assist you.