Supplemental Health

Accident: to cover injuries that require medical treatment (helps supplement major medical insurance)

Cancer: to cover expenses due to cancer treatment

Critical Illness: for expenses due to cancer/heart attack/stroke and other critical illnesses

Disability Income: to provide income if unable to work due to illness or injury

Dental: coverage to help with preventive & corrective care

Vision: coverage to help with costs of exams, glasses, and contacts

Hospital Indemnity: coverage to help with costs of hospital stays

Medicare

HMOs (Health Maintenance Organization)

PPOs (Regional & Local Preferred Provider Org)

PDP (Rx Drug Plans)

Medicare Supplement Plan (aka Medigap):

to help pay the costs that Medicare does not pay.

Health Insurance

Life Insurance

Final Expense Life Insurance: to help cover funeral and other expenses.

Term Life: a set amount of insurance for a set period of time (i.e. 20 years) for a set premium.

Whole Life: life insurance with a set premium that builds cash value.

Universal Life: variable premium life insurance that builds cash value