Memphis, TN  ·  Free Medicare Consultations  ·  Call (901) 468-7300
Our Services

Coverage built around your life.

From Medicare to life and supplemental insurance — structured, transparent, and explained in plain English.

Medicare Advantage and Supplement plans
Service One

Medicare Plans

The core of what we do. Whether you're turning 65, helping a parent enroll, or already on Medicare and want a fresh look at your options, we'll walk you through every plan available in your area — with clear comparisons and honest recommendations.

i

Medicare Advantage (Part C)

An alternative to Original Medicare offered by private insurers approved by Medicare. Bundles Parts A and B with additional coverage like drugs, dental, vision, and hearing.

ii

Medicare Supplement (Medigap)

Helps cover out-of-pocket costs that Original Medicare doesn't — copayments, coinsurance, and deductibles. Standardized plans sold by private companies.

Get a Medicare Quote
Service Two

Supplemental & Cash Benefit Plans

Cash-benefit plans that pay you directly when life happens — for medical bills, daily expenses, or recovery costs. They fill the gaps your primary health insurance can leave behind.

i

Hospital Indemnity

Daily, weekly, or per-stay cash benefits paid directly to you for hospitalization.

ii

Cancer

Lump-sum cash benefit upon cancer diagnosis to cover medical or living expenses.

iii

Heart Attack

Cash benefit for heart attack diagnosis — recovery shouldn't bring financial stress.

iv

Stroke

Lump-sum cash payment upon stroke diagnosis to support your recovery period.

Medicare Part D prescription drug coverage
Service Three

Prescription Drug Coverage (Part D)

Available as a standalone plan alongside Original Medicare or bundled with Medicare Advantage, Part D helps manage the cost of your medications through private insurance companies approved by Medicare.

We review your full medication list, compare formularies across carriers, and find the plan that covers your prescriptions at the lowest total cost. Many of our clients save hundreds of dollars per year just by switching to the right Part D plan.

Get a Part D Quote
Beyond Medicare

Life & Health Coverage

Protection for those under 65 and families thinking long-term.

Service Four

Life Insurance

A death benefit paid to your chosen beneficiaries that provides financial security and peace of mind for the people you love most.

  • Term life (10, 20, 30 year coverage)
  • Whole life with cash value growth
  • Final expense / burial insurance
  • Right-sized to your family and goals
Get a Life Quote
Service Five

Health Insurance

ACA marketplace plans for individuals and families under 65 who aren't yet eligible for Medicare. We help navigate options and subsidies.

  • ACA marketplace navigation
  • Subsidy eligibility review
  • Plan tier guidance (Bronze, Silver, Gold)
  • Special Enrollment qualifying events
Get a Health Quote
How We Work

A simple, honest process.

Three steps, zero pressure.

i

Connect

Call, text, or schedule online. We start with a complimentary conversation about your needs and goals.

ii

Compare

We shop the market, review your doctors and prescriptions, and present clear side-by-side plan comparisons.

iii

Enroll

Complete your enrollment with confidence. We stay with you for billing, claims, and annual renewals.

"Every recommendation is built around your specific situation — not a one-size-fits-all approach."
— FSS Insurance Group
FAQ

Common Questions

Most people are first eligible at age 65. You can enroll during your Initial Enrollment Period (3 months before through 3 months after your 65th birthday), the Annual Enrollment Period (Oct 15 – Dec 7), or during a Special Enrollment Period if you have a qualifying event. We'll help you understand which window applies and guide you through it.
It depends on your health, budget, preferred doctors, and how often you travel. Medicare Advantage tends to have lower monthly premiums but more out-of-pocket costs when you use it. Medigap typically has higher premiums but predictable, lower out-of-pocket costs. We compare both for every client.
Prescription review is a core part of our process. Before recommending a plan, we check your medication list against the formularies of each available plan to find the option with the lowest total cost — including premiums, deductibles, and copays.
No. Supplemental plans (Hospital Indemnity, Cancer, Heart Attack, Stroke) pay you cash benefits in addition to your primary health insurance — they don't replace it. They fill gaps and provide financial cushion when something unexpected happens.
Absolutely. Many of our clients work with us for a combination of Medicare, supplemental cash benefits, and life insurance. Having one trusted advisor for everything makes life simpler — one phone call, one point of contact.

Ready to see your options?

Get a free, no-pressure consultation. Clear comparisons, honest guidance — from someone who actually listens.

Schedule a Consultation