Cancer, Heart Attack or Stroke (CHS)
A serious diagnosis shouldn't mean a financial crisis. CHS coverage pays a lump-sum benefit to help cover the costs that Medicare won't — from treatment to recovery.
Help You Protect What Medicare Doesn't Cover
Original Medicare is a strong foundation — but it has gaps that can lead to serious out-of-pocket costs. The Umbrella Package bundles the right coverage to protect you from the expenses that matter most.
WE'VE GOT YOU COVERED
Understanding Your Umbrella Package Options
Hospital Indemnity
Every hospital stay comes with costs Medicare doesn't fully cover. A Hospital Indemnity Plan helps fill those gaps so you can focus on getting better — not the bills.
Dental, Vision & Hearing (DVH)
Original Medicare doesn't cover routine dental, vision, or hearing. DVH plans fill that gap so you can take care of your whole health — not just the emergencies.
Choose the Level of Protection That Fits Your Life
Every situation is different. The Umbrella Package gives you options — so you can build the coverage that makes sense for your health and your budget.
The Importance of Working with the Right Agent
With so many options and fine print, choosing the right supplemental insurance plan can feel overwhelming. That’s where an experienced, licensed insurance agent makes all the difference. The right agent will help you understand your risks, compare plans, and select the coverage that best fits your lifestyle and budget.
An agent works for you, not just the insurance company. They are your partner in planning for the unexpected and making informed decisions that support your long-term goals.