Additional Plans

At Lifetime Medicare Partners, we specialize in more than just Medicare. 


An annuity is an agreement between an individual and an insurance company. The individual can make a lump-sum payment or periodic payments in exchange for regular payouts at a specified period. An annuity can help provide a steady flow of income after a period, usually during retirement. 

The details of the annuity can be modified to suit the preferences of the buyer. For example, the buyer can choose when to start receiving payments or if to receive a lump sum or series of payments. The buyer also fixes the duration of the payouts.

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Types of Annuities

There are three varieties of annuities: fixed, variable, and indexed annuities. Fixed annuities pay a guaranteed payout. However, due to the predictability, the annual return is relatively modest. Variable annuities come with greater risk but have a potentially higher return. Indexed annuities serve as a balance between fixed and variable annuities. Indexed annuities have a guaranteed payout, though the market index performance will determine part of the return.

Hospital Indemnity Insurance

Hospital indemnity insurance is a type of coverage that can be added to an existing health insurance plan. It serves as supplemental insurance and will pay a specified amount per day for hospital stays. Hospital indemnity insurance policies have different coverage options, depending on the plan. However, most insurance plans cover hospital confinement, ICU care, and Critical Care Unit confinement. 

Some plans may cover outpatient surgery, outpatient X-rays and lab procedures, outpatient diagnostic imaging procedures, emergency room expenses, and physician visits. Most hospital indemnity insurance plans have a 30-day waiting period before the benefits can be used. However, accidental injuries that result in hospital stays may not have a waiting period. 

Hospital indemnity insurance can be helpful if you have not reached the annual deductible for the main health insurance plan. Also, if your health insurance plan has high out-of-pocket costs, then getting a hospital indemnity plan may be a good idea. Hospital indemnity insurance plans can give extra financial protection against medical expenses.

To learn more about annuities and hospital indemnity plans in Nebraska, contact us today at 800-560-9373.