Health Coverage
Health insurance options
Medicare
Federal health insurance for people 65+ or with qualifying disabilities. Original Medicare (Parts A & B) covers hospital and medical services.
Learn moreMedicaid
State and federal health coverage for low-income individuals and families. Many states have expanded Medicaid under the ACA, covering adults up to 138% of the federal poverty level.
Learn moreSupplemental Health
Pays cash benefits directly to you when a covered health event occurs - accident, critical illness, or hospital stay. Helps cover deductibles, copays, lost income, and other expenses your primary health plan doesn't pay.
Learn moreGroup Health
Health coverage sponsored by an employer for employees and often their dependents. Small businesses (2–50 employees) can access group plans through the small group market with community-rated premiums.
Learn moreIndividual Health
Individual health plans purchased through your state's health insurance marketplace or directly from carriers. Subsidies are available based on income.
Learn moreFamily Health
Covers you, your spouse, and dependent children under one policy. Available through employer plans, your state's marketplace, or individual carriers.
Learn moreDental, Vision & Hearing
Most health insurance plans do not include dental, vision, or hearing coverage for adults. Standalone plans cover preventive care, exams, and major services at a fraction of out-of-pocket cost.
Learn moreLife & Income Protection
Life and income protection
Term Life
Pays a death benefit to your beneficiaries if you die during the policy term (typically 10, 20, or 30 years). The most affordable type of life insurance.
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Permanent life insurance that covers you for your entire life with level premiums, a guaranteed death benefit, and cash value that grows over time. More expensive than term but lasts forever and builds an asset.
Learn moreAnnuities
A contract with an insurance company that provides guaranteed income payments, either immediately or at a future date. Used for retirement income planning, tax-deferred growth, and protection against outliving your savings.
Learn moreDisability Insurance
Replaces a portion of your income (typically 50–70%) if you're unable to work due to illness or injury. Available as short-term (3–6 months) or long-term (years to age 65) coverage.
Learn moreFinal Expense
A smaller whole life policy (typically $5,000–$25,000) designed to cover funeral and burial costs, outstanding medical bills, and small debts. Simplified underwriting means no medical exam required for most applicants.
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