Seniors WeCARE
Seniors WeCARE
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Product Descriptions
Medicare Advantage Plans (Part C) and Cost Plans
Medicare Health Maintenance Organization (HMO): A Medicare Advantage Plan that provides all Original Medicare Part A and Part B health coverage and sometimes covers Part D prescription drug coverage. In most HMOs, you can only get your care from doctors or hospitals in the plan’s network (except in emergencies).
Medicare Preferred Provider Organization (PPO) Plan: A Medicare Advantage Plan that provides all Original Medicare Part A and Part B health coverage and sometimes covers Part D prescription drug coverage. PPOs have network doctors and hospitals but you can also use out-of-network providers, usually at a higher cost.
Medicare Private Fee-For-Service (PFFS) Plan: A Medicare Advantage Plan in which you may go to any Medicare-approved doctor, hospital and provider that accepts the plan’s payment, terms and conditions and agrees to treat you – not all providers will. If you join a PFFS Plan that has a network, you can see any of the network providers who have agreed to always treat plan members. You will usually pay more to see out-of-network providers.
Medicare Point of Service (POS) Plan: A type of Medicare Advantage Plan available in a local or regional area which combines the best feature of an HMO with an out-of-network benefit. Like the HMO, members are required to designate an in-network physician to be the primary health care provider. You can use doctors, hospitals, and providers outside of the network for an additional cost.
Medicare Special Needs Plan (SNP): A Medicare Advantage Plan that has a benefit package designed for people with special health care needs. Examples of the specific groups served include people who have both Medicare and Medicaid, people who reside in nursing homes, and people who have certain chronic medical conditions.
Medicare Medical Savings Account (MSA) Plan: MSA Plans combine a high deductible health plan with a bank account. The plan deposits money from Medicare into the account. You can use it to pay your medical expenses until your deductible is met.
Medicare Cost Plan: In a Medicare Cost Plan, you can go to providers both in and out of network. If you get services outside of the plan’s network, your Medicare-covered services will be paid for under Original Medicare but you will be responsible for Medicare coinsurance and deductibles.
Medicare Medicaid Plan (MMP): An MMP is a private health plan designed to provide integrated and coordinated Medicare and Medicaid benefits for dual eligible Medicare beneficiaries.
Medicare Supplement (Medigap) Products
Original Medicare (Parts A and B) typically only covers about 80% of your medical expenses, leaving you responsible for the remaining 20%. Our supplemental plans are designed to bridge this gap, providing a financial safety net so you can focus on your health, not your medical bills.
Freedom of Choice: You have the absolute freedom to visit any doctor, specialist, or hospital in the country that accepts Medicare—no networks and no referrals required.
The "Second-Chance" Guarantee: We offer a unique feature that allows you to switch to a different plan during your first two years of coverage without having to answer any additional health questions.
Innovative Plan G Options: Beyond the standard Plan G, we offer a specialized version designed for long-term premium stability, which may help you save significantly over time while still providing comprehensive coverage.
Enhanced Preventive Benefits: Many of our plans include a built-in rider that covers extra preventive services, such as physical exams and health screenings, that aren't fully covered by Original Medicare.
Household Savings: You may be eligible for a 10% premium discount if you live with a spouse or another adult age 60 or older.
Locked-In Protection: Once you're enrolled, your coverage is guaranteed renewable for life. As long as premiums are paid on time, your policy cannot be canceled, regardless of changes in your health.
Our goal is to help you find a plan that offers the perfect balance of price stability and comprehensive protection, ensuring your retirement years are spent with total peace of mind.
Dental/Vision/Hearing Products
Plans offering additional benefits for consumers who are looking to cover needs for dental, vision or hearing. These plans are not affiliated or connected to MedicareAs we age, maintaining our oral and vision health becomes even more critical to our overall well-being. Our plans are specifically designed for seniors, offering the flexibility to choose standalone coverage or add these essential benefits as a rider to your supplemental plan.
Comprehensive Dental Coverage
We provide access to one of the nation’s largest dental networks, helping you lower out-of-pocket costs for over 400 covered procedures.
Immediate Preventive Care: Enjoy 100% coverage for routine cleanings, exams, and X-rays from day one with no deductible to meet.
No Annual Benefit Maximum: Unlike many traditional plans, our signature dental options have no annual limit on the cash benefits you can receive.
Full Range of Procedures: Receive significant help paying for everything from basic fillings to major work like crowns, root canals, and dentures.
Freedom of Choice: You can see any dentist you like, though choosing an in-network provider can save you an average of 40% on covered services.
Vision & Hearing Protection
Keep your senses sharp with an affordable rider that pairs perfectly with your dental insurance.
Annual Eye Exams: Receive up to $100 annually toward comprehensive eye exams to detect conditions like glaucoma or cataracts early.
Correction & Enhancements: Get up to $150 each year for prescription glasses (including sunglasses) or contact lenses after a short three-month wait.
Exclusive Network Discounts: Gain access to specialized savings plans, offering up to 20% off additional eyewear, lens options, and even laser vision correction.
Hearing Support: This rider also includes benefits for annual hearing exams and up to $500 per ear toward hearing aids.
Cancer
A cancer diagnosis is physically and emotionally challenging, but it shouldn't have to be a financial crisis. Our Cancer Insurance plan is designed to provide you and your family with a critical layer of protection, ensuring you can focus on recovery rather than medical bills.
Lump-Sum Cash Benefit: Upon diagnosis of a covered cancer, you receive a one-time cash payment paid directly to you, not the hospital. You choose how to spend it—whether for medical co-pays, experimental treatments, or everyday bills like your mortgage and groceries.
Total Freedom of Care: Because the benefit is paid to you, you have the flexibility to seek treatment at the facility of your choice, even if it’s out-of-network or requires travel and lodging.
Simple Qualification: We offer straightforward enrollment with no lengthy medical exams. Most applicants can secure coverage by answering a few basic health questions.
Lifetime Peace of Mind: Your policy is guaranteed renewable for life. As long as your premiums are paid, your coverage cannot be canceled, even if your health changes or you receive a benefit payment.
No Coordination of Benefits: This plan pays in addition to any other insurance you may have, including Medicare or a supplemental plan, providing an extra cushion when you need it most.
Our goal is to provide the financial "breathing room" necessary to pursue the best possible care with dignity and confidence.
Whole Life w/Term Life
Our Secure Essential life insurance is designed for those who want a reliable, simple, and affordable way to protect their loved ones. This plan focuses on the core benefits that matter most, providing a guaranteed cash payout to help your family manage life’s uncertainties with confidence.
Guaranteed Acceptance: This is a simplified protection plan, meaning you cannot be turned down for coverage regardless of your health history. No medical exams and no health questions are required to qualify.
Locked-In, Lifetime Rates: Once your policy is in place, your premium is guaranteed to stay the same for the life of the policy. You will never have to worry about your rates increasing as you get older.
Tax-Free Cash Benefit: Your beneficiaries receive a tax-free cash payment that can be used for any purpose—whether that’s replacing lost income, paying off a mortgage, or providing a financial legacy for your grandchildren.
Immediate Financial Relief: This coverage provides your family with the immediate funds they need during an emotional time, helping to prevent financial hardship when you are no longer there to provide.
A "Living Benefit": Because this is a permanent whole life plan, it builds cash value over time. In a true emergency, you may be able to borrow against this value, providing an extra layer of security during your lifetime.
This plan is an essential piece of a secure retirement, giving you the peace of mind that your family’s financial foundation is protected.
Whole Life
We understand that you want to protect your family from the financial stress that often comes during an emotional time. Our Final Expense coverage is a straightforward, permanent life insurance solution designed specifically to help your loved ones cover end-of-pocket costs like funeral services, medical bills, and other outstanding debts.
With this plan, you can rest easy knowing:
Guaranteed Stability: Your premiums will never increase, and your benefits will never decrease as long as premiums are paid.
Permanent Protection: This is whole life insurance, meaning it builds cash value and stays with you for your entire life.
No Medical Exams: Qualification is simple and often based on just a few health questions, making it accessible for many seniors.
A Lasting Legacy: The tax-free death benefit is paid directly to your beneficiaries, allowing them to honor your memory without the burden of immediate expenses.
It’s not just about a policy; it’s about ensuring your family is cared for when they need it most.
Juvenile Whole Life
Many grandparents find that giving the gift of a head start is one of the most rewarding legacies they can leave. Our Juvenile Whole Life insurance is designed to protect your children and grandchildren.
Locked-In Lower Rates: By securing coverage while they are young and healthy, you lock in childhood premiums that will never increase, even as they grow into adulthood.
Guaranteed Future Insurability: This policy ensures they will always have life insurance in place, regardless of any future health issues or high-risk career choices.
Growing Cash Value: A portion of your premium builds tax-deferred cash value over time, providing a financial resource they can tap into later for major milestones like college tuition or a first home.
Simplified Enrollment: We offer a fast, hassle-free application process with no medical exams—just a few basic health questions.
Pet Coverage
For many of us, our pets are part of the family. Pet insurance provides a financial safety net, ensuring you never have to choose between your budget and your furry friend’s health.
Accidents and Illnesses: Whether it’s an unexpected injury like a broken bone or a chronic condition like allergies or diabetes, our plans help cover the costs of diagnostic tests, surgeries, and treatments.
Specialized Care: Coverage can include advanced services such as chemotherapy for cancer, physical therapy, and even emergency hospital stays.
Total Flexibility: You can continue to use any licensed veterinarian or specialist in the U.S., allowing your pet to receive the expert care they deserve.
Reimbursement-Based Ease: Simply pay your vet as usual and submit a claim to be reimbursed for covered expenses, helping you manage costs without dipping into your savings.
More Info
Product Descriptions
Stand-alone Medicare Prescription Drug Plans (Part D)
Medicare Prescription Drug Plan (PDP) : A stand-alone drug plan that adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans.
Medicare Advantage Plans (Part C) and Cost Plans
Medicare Health Maintenance Organization (HMO): A Medicare Advantage Plan that provides all Original Medicare Part A and Part B health coverage and sometimes covers Part D prescription drug coverage. In most HMOs, you can only get your care from doctors or hospitals in the plan’s network (except in emergencies).Medicare Preferred Provider Organization (PPO) Plan: A Medicare Advantage Plan that provides all Original Medicare Part A and Part B health coverage and sometimes covers Part D prescription drug coverage. PPOs have network doctors and hospitals but you can also use out-of-network providers, usually at a higher cost.Medicare Private Fee-For-Service (PFFS) Plan: A Medicare Advantage Plan in which you may go to any Medicare-approved doctor, hospital and provider that accepts the plan’s payment, terms and conditions and agrees to treat you – not all providers will. If you join a PFFS Plan that has a network, you can see any of the network providers who have agreed to always treat plan members. You will usually pay more to see out-of-network providers.Medicare Point of Service (POS) Plan: A type of Medicare Advantage Plan available in a local or regional area which combines the best feature of an HMO with an out-of-network benefit. Like the HMO, members are required to designate an in-network physician to be the primary health care provider. You can use doctors, hospitals, and providers outside of the network for an additional cost.Medicare Special Needs Plan (SNP): A Medicare Advantage Plan that has a benefit package designed for people with special health care needs. Examples of the specific groups served include people who have both Medicare and Medicaid, people who reside in nursing homes, and people who have certain chronic medical conditions.Medicare Medical Savings Account (MSA) Plan: MSA Plans combine a high deductible health plan with a bank account. The plan deposits money from Medicare into the account. You can use it to pay your medical expenses until your deductible is met.Medicare Cost Plan: In a Medicare Cost Plan, you can go to providers both in and out of network. If you get services outside of the plan’s network, your Medicare-covered services will be paid for under Original Medicare but you will be responsible for Medicare coinsurance and deductibles.Medicare Medicaid Plan (MMP): An MMP is a private health plan designed to provide integrated and coordinated Medicare and Medicaid benefits for dual eligible Medicare beneficiaries.
Dental/Vision/Hearing Products
Plans offering additional benefits for consumers who are looking to cover needs for dental, vision or hearing. These plans are not affiliated or connected to Medicare
Hospital Indemnity Products
Plans offering additional benefits; payable to consumers based upon their medical utilization; sometimes used to defray copays/coinsurance. These plans are not affiliated or connected to Medicare.
Medicare Supplement (Medigap) Products
Plans offering a supplemental policy to fill “gaps” in Original Medicare coverage. A Medigap policy typically pays some or all of the deductible and coinsurance amounts applicable to Medicare-covered services, and sometimes covers items and services that are not covered by Medicare, such as care outside of the country. These plans are not affiliated or connected to Medicare.
Reviews
Real-Life Testimonials
From Satisfied Clients
Y. Sandifer
""I had been comparing Medicare Advantage plans on my own, but Jake walked me through each option with such clarity. His knowledge of the different carriers, their networks, and the benefits they offered made everything finally make sense. What stood out ever more was how genuinely caring he was throughout the process. I felt confident in my plan choice with his guidance. I chose a plan with great coverage and gives me a food allowance.""
L. Proyer
""Professional, patient and genuinely helpful. I had so many questions about my Medicare options, and my agent walked me through every step. Angel explained the difference between Medicare Advantage, Supplements, and drug plans in a way that finally made sense. I felt supported the entire time. I recommend Seniors WeCARE to anyone who wants honest guidance.""
D. Thomas
""I was overwhelmed trying to compare Medicare Advantage plans on my own. Seniors WeCARE agent broke everything down in plain language and helped me understand all the benefits I was actually getting. I never felt rushed or pressured. Thanks to her, I switched to a plan that covers all my prescriptions and saved money each month.""
Reviews
Real-Life Testimonials
From Satisfied Clients
Y. Sandifer
""I had been comparing Medicare Advantage plans on my own, but Jake walked me through each option with such clarity. His knowledge of the different carriers, their networks, and the benefits they offered made everything finally make sense. What stood out ever more was how genuinely caring he was throughout the process. I felt confident in my plan choice with his guidance. I chose a plan with great coverage and gives me a food allowance.""
L. Proyer
""Professional, patient and genuinely helpful. I had so many questions about my Medicare options, and my agent walked me through every step. Angel explained the difference between Medicare Advantage, Supplements, and drug plans in a way that finally made sense. I felt supported the entire time. I recommend Seniors WeCARE to anyone who wants honest guidance.""
D. Thomas
""I was overwhelmed trying to compare Medicare Advantage plans on my own. Seniors WeCARE agent broke everything down in plain language and helped me understand all the benefits I was actually getting. I never felt rushed or pressured. Thanks to her, I switched to a plan that covers all my prescriptions and saved money each month.""
Looking for a First-Class Medicare Consultant?
Seniors WeCARE is committed to serving you at the highest level with all your Medicare needs.
National Producer Number: 21229556
DISCLAIMER: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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Seniors WeCARE is committed to serving you at the highest level with all your Medicare needs.
National Producer Number: 21229556
DISCLAIMER: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Company
Directories
Legal