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Health insurance

Protect your savings from health care costs in retirement with supplemental health insurance for seniors. Your ARIS agent can explain the difference between Medicare Advantage and Medicare Supplement. And they can help you avoid coverage gaps by recommending a dental, first diagnosis cancer, or hospital indemnity insurance plan that matches your needs.

Supplemental health insurance products we offer

Medicare Supplement insurance

Medicare Supplement can help you pay for costs Original Medicare’s Part A and B don’t cover, such as copayments, coinsurance, and deductibles. Medicare Supplement insurance plans are standardized, meaning plans offer the same benefits, regardless of which company sells it. Your ARIS agent can help you understand the difference between the A–N plans so you know which one best fits your individual needs and budget.

Medicare Advantage

A Medicare Advantage plan replaces Original Medicare Parts A and B coverage. You may be able to get lower to zero premium on a Medicare Advantage plan, but you may incur more out-of-pocket costs if you receive care out of the provider network. Medicare Advantage plans may provide additional benefits that are not available in traditional Medicare, including dental, vision, and hearing benefits. Your ARIS agent can help you determine if this type of plan is best for you.

Part D prescription drug plan

To get Medicare drug coverage, you must join a Medicare-approved plan that offers drug coverage. Each plan can vary in cost and specific drugs covered. Bring your list of prescriptions to your appointment and your ARIS agent can help you find the plan that covers your medicines.

Dental insurance

Medicare doesn’t cover services related to basic dental health care, only medical emergencies or treatments. Having an insurance policy that covers regular exams and common procedures means you can maintain your health without draining your savings account or retirement income. Your ARIS agent can help you find a plan that pairs well with your Medicare Supplement or Medicare Advantage plan.

Recovery care insurance

Even short-term care costs can deplete your retirement savings by thousands of dollars if you have gaps in your insurance coverage. Recovery care insurance, also known as short-term care insurance, covers home care, assisted living, and nursing home stays when you can't perform activities of daily living, such as bathing, toileting, or eating. But instead of paying for years of care, a policy typically provides benefits for 12 months or less. Your ARIS agent can help you decide whether recovery care insurance makes sense for your portfolio.

Short-term major medical insurance

If you’re planning to retire before age 65, short-term major medical insurance can help protect you after your employer coverage ends and before you’re eligible for Medicare. If you’re healthy and don’t generally require health services or have regular prescriptions, you can ask your ARIS agent if short-term major medical insurance is a good fit for your retirement plans.

Hospital indemnity insurance

Since Medicare, Medicare Supplement, and Medicare Advantage plans don’t cover every dollar of your hospital costs (deductibles, copays, etc.), you can work with your ARIS agent to select a hospital indemnity plan to ensure you’re not dipping into your savings account or retirement income to pay for your hospitalization. Depending on the coverage in your state, plans may also pay ancillary costs, such as recovery care, ambulance transport, urgent care, chiropractic care, and travel and lodging expenses.

Cancer, heart, and stroke insurance

Cancer, heart, and stroke insurance helps protect your retirement savings if you receive a cancer or heart disease diagnosis. It pairs well with high-deductible plans and helps cover out-of-pocket costs or living expenses. If your risk factors for heart disease, stroke, or cancer are high, talk to your ARIS agent about adding this plan to your supplemental health insurance portfolio.

First diagnosis cancer insurance

Medicare covers most cancer procedures, but first diagnosis cancer insurance can help with the direct and indirect costs of cancer treatment. It’s a lump-sum cash benefit that allows you to choose when and where to spend the money to cover a wide-range of expenses. If your individual risk factors for getting cancer, such as family history, are high, talk to your ARIS agent about first diagnosis cancer insurance.

Long-term care insurance

Medicare doesn’t cover all long-term services and supports, but long-term care insurance does. A policy reimburses you a daily amount for services to assist you with activities of daily living, such as bathing, dressing, or eating. Your ARIS agent can help you select a plan with a range of care options and benefits that allow you to get the services you need, where you need them.

Retirement insurance 101

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Why pairing Hospital Indemnity with Medicare Supplement makes sense

Cover even more gaps with Medicare Supplement and Hospital Indemnity in your insurance portfolio.

Expand your portfolio

Health insurance

Protect your savings from health care costs in retirement with supplemental health insurance for seniors. Your ARIS agent can explain the difference between Medicare Advantage and Medicare Supplement. And they can help you avoid coverage gaps by recommending a dental, first diagnosis cancer, or hospital indemnity insurance plan that matches your needs.

Life insurance

Whether your term insurance has expired or you lost employer coverage when you retired, your ARIS agent can help you determine your next steps in end-of-life planning. Together, you’ll decide if you need simple burial insurance or the best final expense insurance and tailor a life insurance program that helps you protect your assets and your loved ones.

Annuities

When used properly, annuities for seniors can be tools to give you more flexibility in retirement. Which ones you choose can affect your travel plans, how long you stay in your home, and which life and health insurance you need. Your ARIS agent can help you determine what is the best annuity plan to enable you to enjoy the retirement you’ve earned.

Carriers

Anthem Blue Cross

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United Healthcare

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