3 Gaps In Medicare
A major health event like Cancer, Heart Attack, or Stroke comes with costs that go far beyond the medical bill. We’ll help you prepare so you can focus on healing, not expenses.
Closing the Coverage Gaps
01
The 20% Exposure
Medical Costs
Many are surprised to learn that Original Medicare (Parts A & B) typically pays 80% of your medical bills. However, there is no "Out-of-Pocket Maximum." If you have a $100,000 surgery, your 20% share is $20,000.
Integrity Health & Wealth Solution
We help you install a "stop-loss" through a Supplement or Advantage plan so your financial exposure has a hard ceiling.
02
The long-term care exposure
The wealth link
Medicare is designed for "short-term" recovery. It does not pay for extended stays in assisted living or long-term nursing care. For many families, this is the single greatest threat to their retirement savings.
Integrity Health & Wealth Solution
We don't just look at health; we look at wealth. We integrate long-term care planning into your overall strategy to ensure your hard-earned legacy stays with your family.
03
The IRMAA exposure
The high-income surcharge
If your income is above a certain threshold, the government can add a surcharge to your Medicare premiums (known as IRMAA). Because this is based on tax returns from two years ago, it often catches new retirees by surprise.
Integrity Health & Wealth Solution
We provide an IRMAA analysis to help you understand if you'll be affected and discuss strategies to help manage these costs over time.
The reality of the big three
What Medicare Doesn't handle
A diagnosis of cancer, heart attack, or stroke brings a second set of bills that no health plan itemizes — and they arrive in the same month your income usually stops.
Travel & Lodging: Seeking the best specialists often means staying away from home.
Home Modifications: Making your living space accessible during recovery.
Non-Medical Bills: Mortgages, utilities, and groceries continue even when you can't.
Family Support: Costs for loved ones to take time off work to be by your side.
How We Close the Gaps
We offer simple, affordable plans that pay a Tax Free Lump Sum directly to you upon diagnosis.
No Restrictions: You decide how to spend the money.
Immediate Relief: Use it for the mortgage, a specialized treatment, or even just to keep the lights on while you recover.
Confidence: You’ll know that a health crisis won't become a wealth crisis.
Let's look at your actual situation.
Not a general overview. Your doctors, your prescriptions, your income, your county. Thirty minutes, no cost, and no one will ask you to decide anything on the spot.
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Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. 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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