A complete senior portfolio, A-rated carriers.

Medicare Supplement Plans (Medigap)

Medicare Supplement Plans are optional plans offered through private carriers that are designed to cover the co-payments, deductibles and co-insurance that Original Medicare does not cover. Benefits will vary depending on which plan is purchased. Supplements do not cover prescription drugs. Ten plans are available, A, B, C, D, F, G, K, L, M, and N. Benefits can be accessed through any provider that accepts Medicare. Plans are guaranteed renewable as long as the premiums are paid on-time.

Offered by the following carriers:

• 
• 
• 
• 
• 
• 

• Aetna Senior Supplemental
• Aflac
• Anthem/Elevance
• Bankers Fidelity
• BCBS IL (HCSC)
• BCBS MI
• BCBS MT (HCSC)
• BCBS NE
• BCBS NM (HCSC)
• BCBS OK (HCSC)
• BCBS TX (HCSC)
• BCBS WY Appointment pending
• Florida Blue
• Globe Life & Accident (GLA)
• Globe Life NY NY only
• Guarantee Trust Life (GTL)
• HealthSpring Supplemental (formerly Cigna Supplemental)
• Humana
• INA (Insurance Company of North America)
• Manhattan Life
• Medico/Wellabe
• Mutual of Omaha
• Physicians Mutual
• United American

Medicare Advantage Plans (MA / MAPD)

Medicare Advantage Plans are optional health care plans written through Medicare approved carriers. Plans that are offered are Health Maintenance Organization Plans (HMO), Preferred Provider Organization Plans (PPO), Private Fee for Service Plans (PFFS), and Special Needs Plans (SNP), amongst other less common plans. Beneficiaries must have both Medicare Part A and Part B and live in the service area to be eligible. Specific enrollment periods apply. Prescription Drug coverage can be included (MAPD). Most plans have networks, and restriction or higher out-of-pocket costs may apply when accessing out-of-network providers. Plans are only guaranteed for one year at a time, beneficiaries may need to shop for a new plan annually.

Offered by the following carriers:

• 
• 
• 
• 
• 

• Aetna MAPD
• Anthem/Elevance
• BCBS IL (HCSC)
• BCBS MI
• BCBS MT (HCSC)
• BCBS NE
• BCBS NM (HCSC)
• BCBS OK (HCSC)
• BCBS TX (HCSC)
• Devoted
• Florida Blue
• HealthSpring MAPD (formerly Cigna MAPD)
• Humana
• WellCare/Centene

Under 65 / ACA (Individual & Family)

Individual and family health coverage for clients who are not yet Medicare-eligible, including Affordable Care Act (ACA) Marketplace plans. Annual Open Enrollment runs each fall, with Special Enrollment Periods for qualifying life events. Carrier availability varies by state.

Offered by the following carriers:

• Ambetter Appointment pending
• AmeriHealth Caritas
• Anthem/Elevance
• Antidote
• AvMed
• BCBS MI
• BCBS NE
• BCBS SC (part of Anthem)
• BCBS TX (HCSC)
• CareSource
• Christus Health
• Cigna IFP
• Golden Rule/UHOne
• McLaren Health Appointment pending
• Molina Healthcare
• Oscar Health
• Priority Health
• Quartz
• Sentara Health
• UHC By request only
• Wellpoint (part of Anthem)
• WellSense

Dental, Vision & Hearing

Standalone dental, vision, and hearing plans that fill the gaps Original Medicare leaves behind. Many plans can be sold year-round with no enrollment period restrictions, making them an easy add-on to any Medicare Supplement conversation.

Offered by the following carriers:

• Ameritas
• Cigna IFP & Dental
• Manhattan Life
• National Care Dental
• Physicians Mutual

Ancillary Products

Hospital indemnity, short-term care, and lump-sum cancer plans that pay cash benefits directly to your client, helping cover out-of-pocket costs that health coverage does not. Often paired with Medicare Advantage to offset inpatient copays.

Offered by the following carriers:

• Bankers Fidelity (Hospital Indemnity)
• Bankers Fidelity (Short-Term Care)
• Bankers Fidelity (Lump Sum Cancer)
• Guarantee Trust
• Heartland
• Manhattan Life

Life Products / Final Expense

Term Life Insurance - Time specific coverage and low premiums. These plans have no cash value.

Universal Life Insurance - Flexible policy with a tax free death benefit and tax deferred account value.

Whole Life Insurance - These policies build up cash value over time, which can be accessed by the insured at any time.

Final Expense (FE) - Simplified-issue whole life designed to cover funeral and end-of-life costs, with smaller face amounts and no medical exam.

Offered by the following carriers:

• Aflac
• Bankers Fidelity (Vantage FE)
• Guarantee Trust
• Mutual of Omaha
• Physicians Mutual