Supplemental Health Solutions

Are you without healthcare coverage due to the rise in costs in ACA?
Let us help you find supplemental coverage that will protect you and your financial future!

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Protecting What Matters Most — Today and in the Years to Come

As we age, our healthcare needs evolve — and planning for those moments can make all the difference. Our Supplemental Health & Long‑Term Care & solutions are designed to help you stay secure, independent, and prepared for life’s unexpected turns.

From long‑term care planning that safeguards your savings, to supplemental coverage like dental, vision, hearing, recovery care, and critical illness protection, we’re here to help you build a strong foundation for your future.

With the right plan in place, you can focus on living life to the fullest — knowing you’re protected every step of the way.

The rising costs of Long-Term Care

  • In-Home Care (Home Health Aide): $77,792 Annually
  • Assisted Living Facility: $70,800 Annually
  • Nursing Home (Private Room): $127,750 Annually

Supplemental Health helps fill the gaps

  • 88% of all cancers are diagnosed at age 50 or older
  • Heart attack is one of the most expensive conditions to treat
  • Strokes are the leading cause of serious long-term disabilities
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What Are Supplemental Health Solutions?
Supplemental Health Solutions help cover the gaps that traditional insurance may leave behind. They provide added financial protection for recovery care, hospital stays, and critical illnesses. These policies give you peace of mind, knowing you’re prepared when the unexpected happens.

  • Recovery Care
  • Critical Illness
  • Hospital Indemnity
  • Dental, Vision & Hearing
  • Medicare only pays for long-term care if you require skilled services or rehabilitative care:
  • In a nursing home for a maximum of 100 days, however; the average Medicare covered stay is much shorter
  • At home if you are also receiving skilled home health or other skilled in-home services. Generally, long-term care services are provided only for a short period of time
  • Medicare does not pay for non-skilled assistance with Activities of Daily Living (ADL), which make up the majority of long-term care services
  • You will have to pay for long-term care services that are not covered by a public or private insurance program

Long-term care insurance can help cover expenses and protect your assets. There are multiple ways to incorporate LTC protection into your financial plan

  • Monthly or daily benefit amounts
  • Coverage for care in multiple settings—your home, adult day care, assisted living, and skilled nursing
  • Shared coverage options for couples
  • Customizable benefit periods (e.g. 2 to 5 years or more)
  • Elimination period options to control premiums
  • Inflation protection riders to help keep pace with rising care costs
  • Waiver of premium once benefits begin
  • Care coordination services to help manage care decisions

Our Commitment to You

We will take the time to understand your life today and your plans for tomorrow

We will look for solutions that truly support your lifestyle and financial goals

We will guide you through the variety of choices so you feel confident in your decision

We will stay connected, checking in each year to ensure your coverage still feels right

Get Started with HHC Today!

Live Well. Move Freely. Age Powerfully

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