Program Description

Medicare is health insurance for people 65 or older, people under 65 with certain disabilities, and people of any age with End-Stage Renal Disease When you first enroll in Medicare, you’ll have Original Medicare, unless you make another choice. There are different ways you can get Medicare coverage, including a Medicare Advantage Plan (like HMO or PPO). In some types of plans that don’t offer drug coverage, you may be able to join a Medicare Prescription Drug Plan.


Program Description

Medicaid is a joint federal and state program that provides free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities. The federal government provides a portion of the funding for Medicaid and sets guidelines for the program. Medicaid programs vary from state to state. They may also have different names, like “Medical Assistance” or “Medi-Cal.”

Group Medicare

Program Description

Group Medicare Advantage and Medicare Supplement for your retirees. Eligible retirees may qualify for our group Medicare plans, which combine the benefits of Original Medicare and may include extra benefits, like prescription drug coverage, into a single Medicare Advantage plan.

Life Insurance

Advantages of Life Insurance

Life insurance provides an infusion of cash for dealing with the adverse financial consequences of the insured's death. Life insurance enjoys favorable tax treatment unlike any other financial instrument. Death benefits are generally income-tax-free to the beneficiary.