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Mental Health and Medicare
Personal mental health is something every person needs to take seriously — seniors especially. It's important to know what’s covered, what’s not and how to fill the gaps in your insurance so you can get the mental health services you need.
  • Original Medicare
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IEP, AEP, OEP and SEP
What is the difference between the Medicare Annual Enrollment Period, the Open Enrollment Period and the Special Enrollment Period? Learn more here!
  • Enrollment
  • Lifestyle
  • SEP
  • OEP
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Coverage Gaps and How to Cover Them
Original Medicare has gaps in coverage, but there are ways to resolve this. Read here to learn more about coverage gaps and how to fill them!
  • Coverage
  • Medicare Advantage
  • Medigap
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Final expense life insurance may not cover the entire cost of your funeral and may be used by the designated beneficiary for any purpose rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. A policy owner does not have the ability to make unlimited payments into the policy. If too much is paid into the policy, it will become a Modified Endowment Contract (MEC) and withdrawals and loans will be taxable. Coverage may not be available in all states and may vary by state. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

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