Term Life Insurance
A fixed amount for a fixed number of years, at the lowest cost per dollar of cover.
Read more →Life & Health
Medicare Plans
Supplement, Advantage and Part D cover around original Medicare.
What this cover does
Original Medicare leaves gaps — deductibles, coinsurance with no out-of-pocket ceiling, and almost no outpatient drug cover. Those gaps are filled either by a Supplement plus a Part D plan, or by an Advantage plan that bundles everything into one network. The choice is harder to reverse than most people expect.
Typically included
- Medicare Supplement covering Part A and B cost sharing
- Medicare Advantage bundling Parts A, B and usually D
- Part D prescription drug cover
- Extra benefits on many Advantage plans including dental, vision and hearing
Common add-ons
- Plan comparison across standardised Supplement letters
- Formulary checks against your current prescriptions
- Network checks against your current doctors
- Annual review during the enrolment period
Questions
What people ask about medicare
Supplement or Advantage?
Supplements cost more monthly and let you use any provider accepting Medicare, with predictable costs. Advantage plans cost less monthly with networks and prior authorisation. Which fits depends on your health, your doctors and your travel.
Can I switch later?
Advantage plans can be changed each year. Moving to a Supplement later can require medical underwriting outside your initial guaranteed-issue window, and you can be declined. That makes the first decision the important one.
Often taken together
Related cover
Whole Life Insurance
Permanent cover with a guaranteed death benefit and a cash value that builds.
Read more →Quote Medicare Plans
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.