Coverage we offer

Plans for every stage of life.

Eleven distinct product lines across Medicare, life, health, retirement income, and supplemental coverage — compared across 20+ top-rated carriers. Every plan recommendation comes with 100+ years of combined team experience behind it.

Medicare Medigap Part D ACA Health Long-Term Care Small Group Annuities Life Insurance Final Expense Dental & Vision Supplemental
01 · Medicare Part C

Medicare Advantage

An all-in-one alternative to Original Medicare. Medicare Advantage plans bundle hospital (Part A), medical (Part B), and usually prescription drug (Part D) coverage into a single plan — often with $0 premium and added benefits like dental, vision, hearing, and gym memberships.

We compare every Medicare Advantage plan available in your ZIP code across all 20+ carrier partners — and run your medication list through each plan's formulary to find the one with the lowest total annual cost.

  • $0 or low premium plans available
  • Bundled prescription drug coverage in most plans
  • Extras: dental, vision, hearing, fitness, OTC allowance
  • We compare every plan in your area side by side
Get a Plan Comparison → Call Apex
Most Popular Senior couple reviewing Medicare options
Senior couple with their doctor
02 · Medigap

Medicare Supplement

Medigap policies fill the gaps Original Medicare leaves — deductibles, coinsurance, and the 20% Part B leaves uncovered. Standardized plans (Plan G, Plan N, etc.) mean the same benefits across carriers — so the only meaningful difference between two Plan G policies is the premium.

We compare premiums across multiple carriers for the same plan letter to make sure you're paying the lowest price for identical coverage.

  • Predictable, low out-of-pocket costs
  • Use any doctor that accepts Medicare nationwide
  • No referrals, no networks, no prior authorization
  • Same benefits across carriers — we find the lowest premium
Compare Medigap Plans → Call Apex
03 · Part D

Prescription Drug Plans

Stand-alone Part D plans cover prescription drugs for those keeping Original Medicare or pairing with a Medigap policy. The right plan can save you hundreds — sometimes thousands — annually on the same medications.

We run a free prescription drug lookup as part of every consultation. Your medication list is compared against every Part D formulary in your area to find the lowest total annual cost — premium, deductible, and copays combined.

  • Free prescription drug plan lookup with every consultation
  • Compare premiums, deductibles, and copays across plans
  • Identify generic alternatives and savings opportunities
  • Annual review to catch formulary changes that affect your costs
Free Drug Plan Lookup → Call Apex
Prescription medications
Family at home
04 · Under-65 Health

ACA / Individual Health Insurance

Health coverage for individuals, families, and the self-employed. We compare ACA marketplace plans (with premium tax credits if you qualify) and private off-exchange options to find the best total-cost coverage for your situation.

Many people qualify for tax credits that dramatically reduce their monthly cost — sometimes to near zero. We'll calculate exactly what you qualify for.

  • ACA marketplace plans with premium tax credit calculation
  • Private off-exchange plans for higher-income households
  • Self-employed and small-business owner options
  • Open enrollment and Special Enrollment Period guidance
Check My Eligibility → Call Apex
05 · LTC

Long-Term Care Insurance

In-home care, assisted living, and nursing facilities can cost tens of thousands per year — and Medicare doesn't cover most of it. Long-Term Care insurance protects your retirement savings and gives you choice when care is needed.

We design LTC coverage to fit your budget — traditional LTC, hybrid life/LTC policies, or annuity-based LTC riders. Each approach has trade-offs we'll walk you through.

  • Traditional LTC — straightforward use-it-or-lose-it coverage
  • Hybrid life/LTC — death benefit if LTC isn't needed
  • Annuity-based LTC riders — leverages existing assets
  • Apply 5–15 years before you expect to need it for best rates
Get LTC Options → Call Apex
Senior receiving home care
Small business team
06 · Employer Benefits

Small Group Insurance

Affordable group health, dental, vision, life, and disability plans for small businesses. Even companies with just 2–3 employees can access competitive group rates that beat individual market pricing.

We handle the comparison shopping, paperwork, plan design, and annual renewal — so you can offer great benefits without becoming a benefits expert yourself.

  • Group health insurance from 2+ employees
  • Dental, vision, life, and disability add-ons
  • Annual renewal support and plan design optimization
  • Attract and retain talent with competitive benefits
Get a Group Quote → Call Apex
07 · Retirement Income

Annuities & Lifetime Income

The biggest financial worry in retirement is outliving your savings. Annuities solve that — providing guaranteed lifetime income you cannot outlive, regardless of market conditions or how long you live.

We compare fixed annuities (predictable rates), indexed annuities (upside with downside protection), and immediate annuities (begin payments now) from multiple carriers to design the right income plan.

  • Fixed annuities — guaranteed rates, predictable income
  • Indexed annuities — market-linked upside, principal protected
  • Immediate annuities — begin payments now for current retirees
  • Pension-style income you can't outlive
Explore Annuity Options → Call Apex
Retired couple reviewing finances
Family in their home
08 · Life Coverage

Life Insurance

Protect the people who depend on you. We shop term, whole life, and universal life policies across multiple carriers to find the right amount and type of coverage for your family's situation.

Whether you're a young parent locking in low rates with a 30-year term policy, building cash value with whole life, or planning a legacy with universal life — we'll explain the trade-offs in plain language.

  • Term life — affordable protection for 10–30 years
  • Whole life — permanent coverage with cash value
  • Universal life — flexible premiums and death benefits
  • No-medical-exam options available for many applicants
Get a Life Quote → Call Apex
09 · End-of-Life Planning

Final Expense & Burial

Smaller, simpler life insurance designed to cover funeral, burial, and final medical costs — so your family isn't left scrambling. Most policies range from $5,000 to $25,000 in coverage with affordable monthly premiums.

Final expense policies are typically easier to qualify for than larger life policies — many require no medical exam, just a few health questions.

  • $5,000 to $25,000 typical coverage amounts
  • No medical exam in most cases
  • Coverage available up to age 85
  • Peace of mind for you and your loved ones
Get a Final Expense Quote → Call Apex
Family gathering
Adult getting an eye exam
10 · Dental + Vision

Dental & Vision

Stand-alone dental and vision plans for individuals and families. Often very affordable — and important coverage that's easy to overlook. Many of our clients add these alongside a Medigap policy or ACA plan that doesn't include them.

  • Routine cleanings, exams, and preventive care
  • Major dental work — crowns, bridges, dentures
  • Annual eye exams and eyewear allowance
  • Family plans available with affordable rates
Shop Dental Plans → Call Apex
11 · Critical Illness & Accident

Supplemental Insurance

Cancer, heart attack, stroke, and accidents create out-of-pocket costs that standard health insurance and Medicare don't fully cover. Supplemental plans pay cash directly to you when these events happen — to use however you need.

These plans work alongside your existing coverage and are particularly valuable for high-deductible health plans or Medicare Advantage clients facing copays on hospital stays.

  • Cancer insurance — lump-sum cash benefit on diagnosis
  • Heart attack & stroke coverage
  • Accident plans — covers fractures, ER visits, hospital stays
  • Critical illness — multi-condition protection
Get Supplemental Options → Call Apex
Doctor consultation
Don't see what you need?

Not sure which plan fits — or want all of these in one quote?

Schedule a free 15-minute consultation. We'll listen, compare options, and put together a recommendation that actually fits your life. No pressure. No fees. Just real answers.

Schedule a Free Consultation → 📞 541-291-4867 (OR) 📞 620-242-1952 (KS)

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, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.