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CALL or TEXT: 801-358-8558
Insurance plans and their availability will depend on your zip code and which county of Utah you live in.
Medicare Advantage
(Part C)
Medicare Advantage plans, sometimes called "Part C" or "MA Plans", are Medicare-approved plans offered by private companies that mist follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In many cases, you'll need to use health care providers who participate in the plan's network. These plans set a limit on what you'll have to pay out-of-pocket each year for covered services. If you join a Medicare Advantage Plan, you'll still have Medicare but you'll get most of your Part A and Part B coverage from your Medicare Advantage plan, not Original Medicare.
Medicare Supplement
(Medigap)
Medicare Supplement Insurance (Medigap) policies sold by private insurance companies can help pay some of the remaining health care costs for covered services and supplies, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. Generally, Medigap doesn't cover long-term care (like care in a nursing home), vision or dental services, hearing aids, eyeglasses, or private-duty nursing.
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Medigap plans are standardized
Medigap must follow federal and state laws designed to protect you, and they must be clearly identified as "Medicare Supplement Insurance". Insurance companies can sell you only a "standardized" plan, identified in most states as plans A-D, F, G, and K-N. All plans offer the same basic benefits, no matter where you live or which insurance companyy you buy the policy from.
Medicare Prescription Drugs
(Part D)
Medicare drug coverage (Part D) helps pay for prescription drugs you need. It's optional and offered to everyone with Medicare. Even if you don't take prescription drugs now, consider getting Medicare drug coverage. If you decide not to get it when you're first eligible, and you don't have other creditable prescription drug coverage (like drug coverage from an employer or union) or get Extra Help, you'll likely pay a late enrollment penalty if you join a plan later.
Hospital Indemnidy
This plan can help relieve the concerns of hospitalization co-pays often found with Medicare Advantage plans.​
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Benefits included are:
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Inpatient Hospitalization ($100 - $600/day)
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Durable Medical Equipment
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Ambulance (Air or Ground)
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Emergency Room for Accident/Injury
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Up to 3 physician Visits (follow up from hospital stay)
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Issue Ages 18-85
Cancer
Highlights include:
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Cash payments made directly to you
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Individually issued to Ages 18-79
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Several levels of coverage available
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Why consider this plan?
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Family history of cancer
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Co-pays with insurance plans
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Protect family assets
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Food/housing costs during treatment
Dental, Vision, and Hearing
Highlights include:
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Affordable Premiums
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Guaranteed Issue for Ages 18-89
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No Network Restrictions
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Up to $1,500 in annual benefits
Recovery/Short Term Care
The cost of Long Term Care is often expensive, and to many, not affordable. Short Term Care is a dependable option that can be budget friendly. Whole policies vary by carrier, the following are examples of coverage in a Short Term Care policy:
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Nursing Facilities
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Assisted Living Facilities
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Hospital Care Facilities
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Home Health Care
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Adult Day Care
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Daily Benefit amount options ranging from $50-$300/day
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Policy may pay actual charges
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Individually issued to ages 18-84
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Simplified Underwriting
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Benefit periods range from 100-350 days of coverage
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Elimination Periods range from 0-90
Life Insurance/Final Expense
The carriers we represent have life insurance policies designated specifically for seniors. No physical or blood work required, death benefit will never decrease, and premium will never increase. Face amounts can be chosen to fit most peoples needs and budget. The lump sum death benefit is paid directly to the beneficiary and can be used at their discretion.
Annuities
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