Office Hours

9:00 AM - 5:00 PM

Our Location

1712 Charlestown New Albany Rd, Jeffersonville IN 47130

Call Us Now

(812) 955-7850

The 3 Major Gaps Medicare Doesn't Cover

EVERYTHING YOU NEED TO KNOW

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 the stacking expenses.

Closing The Coverage Gaps

1. The 20% Exposure (Medical Costs)

Many people getting on Medicare are surprised to learn that Original Medicare (Parts A & B) typically only pays about 80% of your medical bills. However, there is no "Out-of-Pocket Maximum." That means if you have a $100,000 surgery, your 20% share is $20,000. That can really take you by surprise after an unexpected health event.

The OneStop Solution: We help you install a "stop-loss" through a Supplement or Advantage plan so your financial exposure has a hard ceiling.

2. 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 asset-eater and a tremendous threat to retirement savings.

The OneStop Solution: We don't just look at your base coverage like most agents will. We integrate long-term care planning into your overall strategy to ensure your hard-earned legacy stays with your family.

3. 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 each month (known as IRMAA). Because this is based on tax returns from two years ago, it often catches new retirees by surprise.

The OneStop 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.

Reality of "The Big 3"

Medicare is excellent at paying for the surgery or the chemotherapy. However, a major diagnosis like Cancer, Heart Attack, or Stroke often creates "hidden costs" that can drain a retirement nest egg quickly:

Travel & Lodging: Seeking the best specialists often means staying away from home.
Home Modifications: Making your living space accessible during your 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 financial crisis.

SPEAK TO AN AGENT

Support

Personalized help when it

matters most.

Integrity

Honesty and transparency.

Excellence

Top-notch services.

COMPANY

CLIENT SUPPORT

LEGAL

BUSINESS HOURS

Mon: 9am - 5pm

Tues: 9am - 5pm

Wed: 9am - 5pm

Thu: 9am - 5pm

Fri: 9am - 5pm

Sat: Closed

Sun: Closed

LOCATIONS

OneStop Health Brokers

1712 Charlestown New Albany Rd,

Jeffersonville, IN 47130

This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker.

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.