Medicare Advantage Plans

Medicare is health insurance for [1]People 65 or older, [2] People under 65 with certain disabilities,

or [3] People of any age with End-Stage Renal Disease (ESRD, which is permanent kidney

failure requiring dialysis or a kidney transplant).

Medicare	Specific Services Covered
Part A	Hospital Insurance which helps to cover: Inpatient care in hospitals Skilled nursing facility, hospice, and home health care
Part B	Medical Insurance which helps to cover: Services from doctors and other health care providers, hospital outpatient care, durable medical equipment, and home health care Preventive services to help maintain your health and to keep certain illnesses from getting worse
Part C	Medicare Advantage: Includes all benefits and services covered under Part A and Part B Run by Medicare-approved private insurance companies Usually includes Medicare prescription drug coverage (Part D) as part of the plan May include extra benefits and services for an extra cost
Part D	Medicare Prescription Drug Coverage: Helps cover the cost of outpatient prescription drugs Run by Medicare-approved private insurance companies May help lower your prescription drug costs and help protect against higher costs in the future Frequently purchased in conjunction with a Medicare Supplement plan

Life & Final Expense Insurance

A life insurance policy is a contract with an insurance company. In exchange for premium payments,

the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death.

Typically, life insurance is chosen based on the needs and goals of the owner.

Term life insurance generally provides protection for a set period of time, while permanent insurance,

such as whole and universal life, provides lifetime coverage. It's important to note that death benefits

from all types of life insurance are generally income tax-free.

Type of Life Insurance	Purpose	Protection Period	Cost Differences	Premiums	Beneficiary Proceeds	Equity
Term Life	Income replacement during working years	Designed for a specific period, such as 20 or 30 years	Typically less expensive	Usually Fixed	Generally income tax free to beneficiaries	Does not build a cash value
Universal Life	Wealth transfer, income protection and possibly tax-deferred wealth accumulation	Flexible, generally, for a lifetime	Generally more expensive than term	Flexible	Generally income tax free to beneficiaries	May build a cash value
Whole Life	Wealth transfer, preservation and tax-deferred wealth accumulation	For a lifetime	Generally more expensive than term	Usually Fixed	Generally income tax free to beneficiaries	Usually builds a cash value
Final Expense	Protection of family members from end of life expenses	For a lifetime	Low premiums	Usually fixed	Generally income tax free to beneficiaries	Does not build a cash value

1255 W Baseline Rd Bldg A212
Mesa, AZ 85202

800-925-6858

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