Health Coverage for Every Stage of Life

No one can predict when they may need medical care, but having the right health coverage can make unexpected expenses easier to manage.

Health insurance can help with the cost of doctor visits, hospital care, prescriptions, preventive services and other medical needs — giving you greater confidence that you’re prepared when care is needed.

Planning for Healthcare Costs

Healthcare needs can change throughout your life, especially as you approach and enter retirement. Depending on your situation, your plan may include:

• Employer or retiree health coverage
• Medicare and Medicare supplement insurance
• Medicaid
• Long-term care insurance
• Health Savings Accounts (HSAs)
• Personal savings and other financial resources

Medicare & Supplemental Coverage

For most Americans, Medicare eligibility begins at age 65. Medicare includes different parts that help cover hospital care, medical services, prescription drugs and other healthcare needs.

Because Medicare does not cover every expense, some individuals also choose Medicare Advantage or Medicare Supplement coverage to help manage out-of-pocket costs.

Preparing for Long-Term Care

Traditional health insurance and Medicare generally provide limited coverage for extended long-term care needs. Long-term care insurance may help cover services such as:

• Care at home
• Assisted living
• Nursing home care
• Other qualifying long-term care services

Options vary, and some life insurance or annuity products may also offer long-term care benefits.

Find Coverage That Fits Your Needs

Healthcare can feel complicated, but you don’t have to sort through your options alone.

We’ll help you understand your coverage choices and find solutions that fit your health needs, budget and overall financial plan.