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What is Medicare 

Medicare is a federal health insurance program primarily for:

  • People age 65 and older

  • Certain younger individuals with disabilities

  • People with End-Stage Renal Disease 

It can

Cover

  • Hospital stays (Part A)

  • Doctor visits and outpatient care (Part B)

  • Prescription drugs (Part D)

  • Additional benefits with Medicare Advantage plans (Part C)

 

We understand that health coverage in retirement isn’t just about doctor visits—it’s about peace of mind. Whether you’ve just discussed Medicare or one of our other services, this page is your next step toward securing the full picture of your care—today and tomorrow.

It does not

Cover

  • Most long-term care (like assisted living or nursing home care)

  • Custodial care (help with bathing, dressing, eating)

  • Dental, vision, and hearing (in many cases)

  • Care outside the U.S.

This is where Long-Term Care (LTC) planning comes in. Even if you’re healthy now, planning early is the best way to stay in control of your future.

Should You Consider Long-Term Care Protection?

Schedule your free consult

Get answers tailored to your unique needs

As we age, the need for extended care becomes more likely. LTC planning helps protect your savings and ensures you receive the care you want, where and how you want it. Waiting too long can limit your options or increase costs.

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