Long Term Care: The Retirement Boogeyman
- 70% of people 65+ will need long-term care — averaging $5K–$10K per month.
- Medicare only covers short-term skilled care; Medicaid requires you to spend down first.
- Five ways to plan ahead, from cash rese
Medicare Supplement
- Nationwide provider access – referrals usually aren’t required.
- A Medicare Supplement covers what Medicare leaves behind.
- Plan G & Plan N make your annual costs predictable.
Umbrella Options
- Every Medicare plan leaves real financial gaps behind
- Critical Illness coverage pays cash directly to you.
- Protect your retirement – not just your
Excess Charges Explained
- Medicare Plan N & Excess Charges — “Don’t Let a ScaryName Cost You $500 a Year
- Only 4% of providers can even bill excess charges.99.6% of their claims never include one.
- Plan N saves roughly $500 a year over Plan G.
Medicare Advantage
- Every Medicare plan leaves real financial gaps behind
- Critical Illness coverage pays cash directly to you.
- Protect your retirement – not just your
Dental Insurance
- PPO plans unlock negotiated discounts if your dentist is in-network.
- 80% Reimbursement plans let you see any dentist, but preventive care lags.
- Reasonable & Customary plans can leave you paying more than you’d expect.
What’s Not Covered By Medicare
- Routine dental, vision & hearing generally aren’t included.
- Medicare does not pay a meaningful death benefit.
- Long-term custodial care is generally your responsibility.
Whole VS Term Life Insurance
- Ask first: is the need temporary or permanent?
- Term protects a season of life; Whole Life protects forever.
- The goal isn’t insurance – it’s protecting the right people.
We are licensed in over 20 states, Currently we represent 10 organizations which offer 57 products in your area.
You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for help with plan choices.