Protect Your Nest Egg with Umbrella Coverage
Medicare is designed to pay your doctors and hospitals, but it wasn't built to cover the personal financial toll of a major illness. Umbrella coverage pays a tax-free cash benefit directly to you.
The Hidden Costs of Major Illness
A diagnosis of Cancer, Heart Attack, or Stroke often comes with "hidden costs"—travel for specialists, home modifications, and non-medical bills that continue even when you can't work. These expenses can quickly drain a retirement nest egg because they fall outside of traditional medical coverage.
Umbrella Coverage Options
*Eliminates Major Exposures
Umbrella #3
Medicare Plan with
Prescription Coverage
Cancer Heart or Stroke (CHS)
Dental Vision Hearing (DVH) or
HIP Plan
Recovery Care
Umbrella #2
Medicare Plan with
Prescription Coverage
Cancer Heart or Stroke (CHS)
Dental Vision Hearing (DVH) or
HIP Plan
Umbrella #1
Medicare Plan with
Prescription Coverage
Cancer Heart or Stroke (CHS)
Why We Recommend Umbrella Coverage
Tax-Free Cash Benefit
Benefits are paid directly to you, tax-free, to use however you see fit.
Focus on Healing
Eliminates financial stress so you can focus entirely on your recovery.
Covers What Medicare Doesn't
Pays for travel, lodging, experimental treatments, and everyday bills.
Peace of Mind
Protects the nest egg you've worked your entire life to build.