A diagnosis is hard enough. The bills shouldn't make it harder.
Medicare covers treatment, but not everything that comes with a serious diagnosis — deductibles, travel, time off, or just keeping the lights on. This coverage pays you a lump-sum cash benefit if you're diagnosed with cancer or a covered critical illness, to use however you need.
A cash cushion for the costs Medicare doesn't cover
Even with strong Medicare coverage, a cancer or critical illness diagnosis — like a heart attack or stroke — often comes with costs that have nothing to do with treatment itself: deductibles across multiple providers, travel to specialists, or lost income during recovery. Cancer & Critical Illness insurance pays you a lump-sum cash benefit upon diagnosis, separate from and in addition to your existing Medicare coverage.
Paid in cash, directly to you
Use it for any expense, medical or not
A cushion underneath your existing Medicare plan
what's included
What this coverage typically offers
Lump-Sum Benefit
A one-time cash payment upon a covered diagnosis.
Paid Directly to You
Use it for medical bills, travel, lost income, or anything else you need.
Broad Condition List
Typically covers cancer, heart attack, stroke, and other major illnesses — I'll confirm the specific list.
Works With Any Medicare Coverage
No conflict with Original Medicare, Advantage, or Supplement plans.
Simple to Qualify
Many plans are available with little to no medical underwriting.
Affordable Premiums
Priced to fit alongside the Medicare coverage you already have.
Google Reviews
What neighbors are saying
other ways i can help
Not quite what you needed?
New to Medicare
Turning 65, or qualifying early through disability? I’ll walk you through every option before you sign anything.
Coverage changes every year — yours should be reviewed just as often. Every fall, during Medicare’s Annual Enrollment Period, I sit down with my clients and make sure their plan still fits.
Questions people ask about Cancer & Critical Illness coverage
Isn't this the same as regular health insurance?
No. This pays a lump-sum cash benefit directly to you upon a covered diagnosis — it doesn't pay providers directly or replace your Medicare coverage. It's meant to cover the costs Medicare doesn't, like travel, deductibles, or time off work.
What counts as a "critical illness"?
It varies by plan, but commonly includes cancer, heart attack, stroke, and similar major diagnoses. I'll walk through the exact covered conditions for any plan you're considering.
Can I use the money for anything, or just medical bills?
Anything. Once you're diagnosed and the claim is approved, the cash is yours to use however you need — medical costs, travel, groceries, or bills.
Do I need a family history of illness to qualify?
No, and most plans have limited or no medical underwriting, making it simple to enroll regardless of family history.
Does it cost anything to meet with you?
No. Consultations are free, with no obligation to enroll. I'm paid by the insurance carriers, the same way every licensed agent is — it doesn't change your premium either way.
Let’s find your plan — together.
No call centers, no confusing forms. Just a real conversation with someone who knows Medicare and knows Richmond.
