Helping You Stay Covered, Protected, and Independent
Covered USA helps Medicare beneficiaries explore supplemental insurance solutions that may provide benefits for qualifying home health care, recovery, and everyday living needs. Our licensed agent will explain your options clearly and help you find coverage that fits your situation.
- Licensed brokers
- Top-rated carriers
- All 50 states
- No cost to you
Independent & compliant
Licensed, appointed agents
Verified annually
Carriers we work with
- American Home Life
- Manhattan Life
- Gerber Life
- Foresters Financial
- TransAmerica
- Corebridge Financial
- United National Life
What We Help You Cover
Two focused coverage solutions — reviewed with a licensed agent, at no cost to you.
- Home Health & Living BenefitsCoverage for in-home care so a nursing home is not the only option.
- Final Expense InsuranceLife insurance designed to help families prepare for funeral costs and other end-of-life expenses.
- Term Life InsuranceAffordable, straightforward coverage for a set period to protect your family's finances.
- Home Life InsuranceCoverage options designed to help protect your home and the loved ones who depend on it.
- Indexed Universal Life (IUL)Permanent life insurance with cash value growth potential tied to market index performance.
At Covered USA, we do not think anyone should have to choose between staying in their own home and protecting their savings. We make comparing Medicare and home health care coverage simple, clear, and calm — at absolutely no cost to you.
Works with plans from top carriers
- Aetna
- Humana
- UnitedHealthcare
- Cigna
- Mutual of Omaha
- Anthem
- Wellcare
How it works
Three calm steps, no pressure
You talk with a licensed broker who listens first. We compare what is available where you live, explain the trade-offs in plain language, and only move forward when you feel confident.
See the full process-
01
Tell us your situation
Share your doctors, medications, budget, and whether in-home care matters to you. One short conversation is enough to start.
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02
Compare side by side
We show what each plan covers, what it costs, and where the gaps are — including living benefits that help you stay at home.
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03
Enroll with support
We handle the paperwork, confirm your effective date, and stay available every year when plans change.
Living benefits
Care at home, without draining your savings
Home health care is one of the largest out-of-pocket costs families face. The right combination of Medicare and supplemental coverage can pay for help at home long before a nursing home becomes the only option.
- In-home aides, skilled nursing visits, and therapy covered under the right plan design.
- Protect retirement savings from the costs Original Medicare leaves behind.
- Give family caregivers real support instead of guesswork.
- An annual review so your plan still fits as your health changes.
Additional Riders & Benefits
Optional riders that may be added to a policy to help with additional costs, subject to policy terms, eligibility, and carrier approval.
Prescription Drug Benefit
30-Day Supply
$10 generic
$25 brand name
90-Day Supply
$30 generic
$75 brand name
Maximum Prescription Benefit Per Year
- Classic: $300
- Premier: $600
- Deluxe: $900
Restoration of Benefits
The maximum benefit period for Home Health Care Benefits will be restored if benefits have not been paid or required for 180 consecutive days.
Riders
- Routine Annual Physical Examination1 per year, $150 benefit
- Accidental Death and DismembermentUp to $10,000
- Home Medical Equipment$100 per piece, up to $500 maximum
- Ambulance$200 per trip, up to 4 per year
- Accident ExpenseDislocations, fractures, or knee ligament tearsOption 1: $1,250 · Option 2: $2,500 · Lifetime Max: $10,000
Riders are optional and may not be available with every policy. Benefits, amounts, and eligibility vary by carrier, policy, and state, and are subject to policy terms, exclusions, limitations, and waiting periods.
What members say
Real conversations, real peace of mind
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I had three envelopes of Medicare mail and no idea what any of it meant. Covered USA walked me through it in one call and found a plan that covers the aide who visits me twice a week.
Margaret H.Member since 2023
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No pressure, no sales pitch. They compared four plans against my medication list and explained exactly why one was better for me. My prescription costs dropped noticeably.
Walter J.Member since 2021
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My father wanted to stay in his house. Their team showed us the coverage that made in-home care affordable, and they still call every fall to review it with us.
Denise R.Family caregiver
Ready for a clear answer?
Request a free plan review and a licensed Covered USA broker will walk you through your options — no obligation, no cost, no jargon.