Secure Horizon Retirement

Medicare Plans

Medicare is a foundational part of retirement, but navigating your options—Original Medicare, Medicare Advantage (Part C), and Medigap (Supplemental Insurance)—can be overwhelming. Original Medicare covers hospital and medical insurance but leaves gaps, like deductibles and coinsurance, which Medigap plans are designed to fill.

Medicare Advantage plans, offered by private insurers, can include extra benefits like dental and vision, often with low or $0 premiums. However, they come with network restrictions and varying out-of-pocket limits. Choosing the right plan depends on your location, health needs, and financial priorities.

Understanding enrollment periods and plan differences is critical. Our licensed agents can simplify the process and guide you to the best fit. Get started with a free consultation or quote.

Dental, Vision, and Hearing

As we age, dental work, eyeglasses, and hearing aids often become necessary—and expensive. Original Medicare doesn’t cover these, leaving a significant gap in protection. DVH policies provide affordable access to care and prevent financial strain.

A standalone DVH plan can reimburse cleanings, fillings, vision exams, glasses, hearing tests, and devices, often without waiting periods for preventive services. These plans are especially valuable for retirees on fixed incomes seeking predictable healthcare costs.

DVH coverage complements your core Medicare or other health plan and ensures you aren't skipping important care due to out-of-pocket costs. Learn more about flexible coverage options today.

Hospital Indemnity Insurance

Even with a Medicare Advantage plan, a hospital stay can result in significant out-of-pocket costs. Hospital indemnity insurance pays you directly when you’re admitted, helping cover deductibles, copays, and other uncovered expenses.

These plans offer daily benefit amounts, ER coverage, and optional riders for skilled nursing or outpatient surgery. They are especially helpful for those with chronic conditions or those who travel frequently and want peace of mind across networks.

Hospital indemnity can be paired with Medicare Advantage plans to eliminate unexpected expenses. Learn if this supplemental plan is right for you.

Critical Illness Insurance

A diagnosis like cancer, heart attack, or stroke can be financially devastating. Critical illness policies provide a lump-sum payout upon diagnosis, which you can use for any purpose—treatment, travel, income replacement, or even mortgage payments.

This protection ensures you focus on recovery rather than bills. It’s particularly important for those with family history of major illnesses or limited emergency savings.

Premiums are affordable and benefits customizable. Even with Medicare or traditional health insurance, this type of coverage can be the financial bridge you need in a crisis.

Life Insurance

Life insurance in retirement isn’t just for income replacement—it’s for final expenses, legacy planning, and protecting loved ones. Policies range from guaranteed issue final expense plans to indexed universal life insurance that builds cash value.

If you want to ensure your family isn’t burdened with debt or burial costs, or you wish to leave a charitable legacy or help a grandchild through college, life insurance can help you fulfill that vision.

Let our experts help find the right type and amount of coverage based on your goals, budget, and health.

Annuities

Annuities are financial products designed to provide guaranteed income for life or a set period. They offer tax-deferred growth and protection from market downturns, making them a strong pillar in a diversified retirement strategy.

Fixed and fixed indexed annuities are excellent options for those seeking predictable income, legacy preservation, and even long-term care support riders. Unlike variable annuities, which can carry market risk, fixed annuities offer stability and guarantees.

They can also play a role in estate planning by avoiding probate and transferring wealth efficiently. Learn how annuities might secure your retirement income stream.

Contact a Licensed Advisor