Health and Life

• Life Insurance
  Medicare supplements are not a primary coverage. That means that they only support underlying coverage and acceptance by providers is not necessary in order for them to see you or get paid for their services. Medicare supplements, also commonly referred to as "Medigap" plans, are in fact like life insurance, for your Medicare. Supplements are not like Medicare Advantage plans and by law cannot include prescription drug coverage.
• Health Insurance
  Health Insurance is intended to protect families and individuals from catastrophic loss and also guarantee access to contracted doctors and hospitals.
• Dental Insurance
  I have done the math, so can you. Add up all the costs for dental, premiums, preventative exams and cleaning, and any work you need done. If you are getting your teeth cleaned twice a year then dental insurance costs little or nothing. If you are getting regular checkups then insurance is the cheapest way to get major work done even with full coverage delayed until you have paid into the plans that have a waiting period. Another option to lowering your costs is to find dental organizations like schools and get their extra low rates. Rates are negotiable. Always ask in advance of the appointment if you can get a lower rate, which is often possible when offering to pay cash.