Senior Insurance

Advocating for your health while building relationships that last for generations, our services aim to protect you and your family with options that you can trust and payments that you can afford. Our knowledgeable insurance agents offer a wide array of supplemental insurance giving you confidence that your are protected with any of the coverage options that you choose.

Click on a topic to learn more:

Medicare is a federal system of health insurance for senior citizens aged 65 and older designed to pay for certain medical expenses. With this there are large holes in the coverage necessary for some seniors. To help with the cost of these omissions in coverage many seniors choose to add a supplemental insurance policy to add to Medicare called Medigap coverage.

Supplemental Insurance Selection

Once eligible for Medicare you know exactly what your specific Medicare plan includes. Then you will be able to assess the type of care needed for the future. Based on your long-term health care needs you can then consider adding supplemental health insurance to your Medicare plan for more complete coverage.

An important part of any senior citizen's health care plan is their Medicare supplemental insurance. Let our team of advisors help guide you toward a policy that will work for both your health care needs and your budget. American Health Services can help get you the Medigap coverage that pays some of the health care costs that Medicare doesn't cover.

Medicare Part A or Part B does not cover the following items and services according to

  • Long-term Care
  • Routine Dental or Eye Care
  • Dentures
  • Cosmetic Surgery
  • Routine Foot Care
  • Prescription Drugs
  • Acupuncture
  • Hearing Aids and Exams for Fitting Them

As you age you may find that your Medicare coverage alone does not provide the coverage needed. All those eligible and enrolled in Medicare Part A and Part B should consider supplemental insurance.

Seniors should consider adding health insurance plans that include Prescription Drug Plans, Final Expense, Cancer Policies in addition to supplemental health insurance plans.

Let American Health Services help determine the supplemental health insurance plan that is right for you.

Contact us today to learn more!


You should think about joining a Medicare Prescription insurance plan as soon as you are eligible, if you do not already have a creditable prescription drug coverage as part of your Medicare plan. Joining a Medicare Prescription Drug Plan is best once your are first eligible as you may have to pay a penalty if you decide to join later.

Prescription Drug Plans for Seniors

At American Health Services, we know that it is often a challenge for many seniors to pay for prescription drugs. Whether you are looking to change your current prescription drug coverage or you need a new plan, we can help. Our experienced insurance advocates can help you get the coverage you need.

Have high drug costs or unexpected prescription drug bills, prescription insurance plans help pay for prescription drugs and are available to everyone on Medicare. A monthly premium and a yearly deductible for the coverage is what most seniors have to pay.

What Is Medicare Part D?

At American Health Services, we can help you learn more about the individual plans we offer for Medicare Part D prescription insurance plans. These plans provide prescription drug coverage to all Medicare beneficiaries. We can go over the associated costs and the prescription drugs that are covered.

People 65 years or older, those who are U.S. citizens or permanent residents, and people under 65 with certain disabilities are eligible for Medicare and for Medicare Part D plans. It is necessary to have a Medicare Part A or B plan to join a Part D prescription insurance plan. Also you are required to live in the service area, or the area covered for the plan you wish to join.

Want to learn more about prescription insurance? Let us help you get the affordable prescription drug coverage that you need to stay healthy. 

Contact us today to learn more!


A Medicate Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), Private Fee-For-Service (PFFS), Special Needs Plans, and Medicare Savings Account Plans. If you are enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

Please contact us to learn about:

The different types of Medicare Advantage Plans
How to join a Medicare Advantage Plan
Who can join a Medicare Advantage Plan
When can you join, switch, or drop a Medicare Advantage Plan
What if your plan decides to stop participating in Medicare.
If you have End-Stage Renal Disease (ESRD)
How do Medicare Advantage Plans work


Health Maintenance Organization (HMO) Plans
Preferred Provider Organization (PPO) Plans
Special Needs Plans (SNPs)
Chronic Disease Plans

At American Health Services our senior insurance agents can help you make the right decision regarding which plan will be most advantageous for you.

Our knowledgeable agents stay current and up to date with the changing benefits of these companies and represent all of the plans available in your area. Their experience will guide you into making the right decision for you.

Contact us for a no-obligation consultation today!


Senior citizens who need assistance to perform daily living activities such as eating, bathing, and dressing can benefit from long term care insurance. Often needed by senior citizens, long term care can also benefit younger people suffering from illness or injury, such as stroke, multiple sclerosis, or Alzheimer's disease.

Long Term Care Insurance for Seniors

When you can no longer take care of yourself, long term care insurance helps pay for the care you  need. Maximize your independence with a long term care insurance policy that can protect your family's financial future and your own assets.

Long term care insurance provides the services and support whether you stay in your own home or move to an assisted living facility:

  • It helps you maintain your independence.
  • It pays for nursing home care, if necessary.
  • It protects your assets against the high costs of long term care.

Long term care insurance can improve quality of life while it helps pay for expenses. Long term care for seniors can also help those suffering from chronic, long-term health conditions.

Consider the following when choosing a long-term insurance policy:

  • How much do you want to spend for long-term care insurance?
  • How much coverage are you looking to purchase?
  • What is the daily benefit amount that you need?

American Health Services can provide you with a no-obligation long-term insurance quote to fit your budget. We are able to help complete the application with any documentation that may be needed. Upon approval we can make sure you understand when to utilize your benefits.

Some seniors cannot afford to be without long-term insurance, others have never considered it. Let us help whether you are ready to purchase or are just starting to search for long term insurance. Please don't wait to decide, the healthier you are the more affordable long term insurance can be. 

Contact us today to get started!


At American Health Services, we offer life insurance policies that fit your need and your budget. Senior life insurance policies can be vital in your long-term financial plan.

Life Insurance for Elderly

In the event of your passing, life insurance pays money directly to your beneficiaries.  During an emotional time your senior life insurance policy provides your family with confidence. Protect your loved ones for the unexpected.

Money received by your family from your life insurance policy can be used to:

  • Provide Fund to Pay off the Mortgage on the Family Home
  • Help Your Family Maintain Their Current Standard of Living
  • Pay off Debts
  • Cover the Educational or Other Expenses of Your Dependents
  • Pay Final Expenses after Your Passing

Why Choose American Health Services?

We offer a broad selection of insurance plans from reputable companies. American Health Services is an insurance agency, not a life insurance company. We make it easier for you to find insurance for you and your family. We advise our clients independently and objectively, providing guidance to seniors for affordable health care coverage.

Buying a life insurance policy can be confusing and overwhelming for seniors. Our relationship does not end once you buy a policy from us, we continue to answer any questions and offer personal assistance, so you can maximize your insurance dollars. Our licensed insurance agents are available to help seniors understand their policies.

Our senior life insurance policies at American Health Services meet the financial planning needs of any family. Secure the financial state of your loved ones, it is never too late to get life insurance. Get started now to get the life insurance policy you need today! 

Contact us to learn more!