Insurance is now available for age 65 and over

Affordable Supplemental Medical Insurance

Medicare Supplement policies are health insurance policies sold by private insurance companies to fill the gaps in the Original Medicare Plan coverage offered through Social Security. The Original Medicare Plan covers 80% of medical costs. Medicare Supplement policies can cover some or all of the remaining 20%. The benefits of each Medicare Supplement Insurance Policy are standardized by law no matter what company sells you the policy. Some of the features are:

  • Choose from a selection of plans
  • Receive help to pay for some of the health care costs that Medicare doesn't cover
  • Use anywhere Medicare is accepted
  • Choice of physicians and hospitals
  • Annual, semi-annual, quarterly and monthly premium payment options

Open Enrollment:

All people 65 and over are automatically accepted through open enrollment during the following periods:

  1. November 15 - December 31 of every year
  2. Six months prior to turning 65
  3. Six months after you turn 65

You can also enroll when your spouse turns 65. If you are coming off a company group insurance plan, there is a 63 day enrollment period. Anyone who would like to enroll during a period other than open enrollment is subject to qualifying for the plans.

Click here for more information.

THIS IS A LIMITED POLICY which should be used to supplement your Medicare coverage. Neither Loyal American Life Insurance Company nor Essential Care/Rx Plan, Inc. are connected with Medicare or any government agency. Premium and benefits vary by plan selected. Plan availability varies by state.

Senior Life Insurance Policies are Guaranteed Issue

Plan Features:

  • Simple application process
  • Maximum benefit of $25,000
  • Guaranteed Renewable - Your policy cannot be cancelled by the company, except for non-payment of premiums
  • Cash Value - This policy accumulates cash value. The available amount can be accessed through policy loans or cash surrender
  • Premiums - Your premiums are guaranteed never to increase
Click here for more information.

Who is the Carrier?

Loyal American Life Insurance Company is the carrier for Medicare Supplement and life insurance policies. They have been marketing insurance products since 1955. Customers are Loyal American's number one priority. They are committed to providing exceptional service to all of their customers every day.

Senior One Life Dental Insurance

Now seniors can enroll in a one life dental plan. Coverage is provided for preventive, diagnostic, basic and major dental services.

The Exclusive Features are:

  • $1,000 maximum per person
  • No waiting periods for Preventive Care
  • No age limits
  • One time or annual $100 deductible
  • Accepts payment by MasterCard, Visa, Discover or automatic monthly bank draft
Click here to go to the dental page outlining the entire program.