Are You Fully Covered—Or Just Exposed?
Medical bills are the #1 cause of bankruptcy in America. For high-impact individuals, the "Gaps" in standard Medicare aren't just an inconvenience—they are a threat to your legacy. Our Umbrella Strategy identifies these exposures before they can drain your hard-earned assets.
building your foundation
What are the 3 gaps?
The "Unlimited" 20% Leak
The Gap
Original Medicare generally pays 80% of your doctor bills.
The Risk
There is no limit on how high that other 20% can go.
The Reality
A major surgery or long-term treatment can create a "wealth leak" that drains your 401(k) or Roth IRA because you are responsible for every penny of that 20%.
The 20-Day Recovery Cliff
The Gap
The 20-Day Recovery Cliff
The Risk
On Day 21, you hit a "cliff" where you must pay $209.50 every single day out of your own pocket.
The Reality
After Day 100, Medicare stops paying entirely, leaving you to cover 100% of the costs yourself.
Cancer, Heart Attack & Stroke
The Gap
Standard Medicare plans are designed for routine care, not for the massive out-of-pocket costs that come with a Cancer diagnosis, Heart Attack, or Stroke.
The Risk
These specialized treatments often require "non-covered" expenses that can lead to financial insolvency.
The Reality
These "Big Events" are the #1 cause of bankruptcy in America.
building your foundation
Which Umbrella Do You Need?
Umbrella 1: The Essential Guard
This covers your basic Medicare plan and adds a layer of protection specifically for Cancer, Heart Attack, and Stroke.
Umbrella 2: The Lifestyle Shield
This includes everything in the Essential Guard plus coverage for Dental, Vision, and Hearing—things standard Medicare often ignores.
Umbrella 3: The Retirement Fortress
This is George’s most comprehensive plan. It covers everything above plus Recovery Care, ensuring you are protected from those $209-a-day nursing bills.
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