Medicare Advantage plans are an alternative to Original Medicare.

Also known as Part C or MA plans, Medicare advantage are offered by Medicare-approved private companies that must follow rules set by Medicare. Most of these plans offer drug coverage along with Dental, Vision, and other “extra’s” that original Medicare and Medicare Supplements do not cover.

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Medicare supplement insurance can help pay some health care costs that Medicare does not cover, like copayments, coinsurance, and deductibles.

Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medicare supplement insurance policy pays its share.

Medicare Part D is for Prescription Drug coverage.

This is used in tandem with a Medicare Supplement. Each plan has a different formulary, which is a list of drugs it covers. It is important to have your Part D plan reviewed each year because the formulary and therefore the prescriptions it covers change every year!

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Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and support.

This includes personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.

Critical Illness is an insurance product developed to help consumers cover expenses associated with critical illness.

This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.