The government-provided health insurance policy known as

Medicare gives Americans over 65 a certain level of coverage,

but it certainly does not cover all costs. For instance, Medicare

does not provide coverage for dental care, which poses a

potential problem for seniors with dentures. Nor does Medicare

cover vision care, whether it is a matter of routine eye exams or

providing eyeglasses/contact lenses. As far as long-term care is

concerned, Medicare does not cover custodial care (including

daily living assistance) either in an assisted-living facility or at

home. However, it may pay for certain items that are deemed to

be medically necessary. To fill in any coverage gaps, seniors

must turn to “Medigap” coverage, provided from private

insurers.

Our senior product portfolio contains a full range of life and

health insurance products. For all your insurance questions call

for all your insurance and financial planning needs. We’ve built

our reputation on being a helpful neighbor. We are proven

professionals, caring and conscientious people, the kind of

people on whom you can depend. We’re located at

to maintain a high standard of excellence in all that we do.

NOTE: Medigap insurance is standardized and

regulated by the government.

Timothy C. McElhinny,

CIC, LUTCF, Partner,

McElhinny Insurance