Umbrella Coverage
Medicare
Health & Protection Gaps
Life & Legacy
Most people think Medicare is a complete safety net. The truth? It’s designed to catch the hospital bills, but it has some pretty big gaps when it comes to your actual life at home.
60% of Cancer costs are not covered by traditional Medicare. We help you close those gaps by "stacking" your protection into three simple Umbrellas.
The 3 Simple Umbrella Coverages
Umbrella 1: Medicare, Prescription Coverage, Cancer/Heart Attack/Stroke
This covers the "big stuff" that drains bank accounts. If you face a major diagnosis, this umbrella provides a lump-sum payment to cover travel for treatment, experimental drugs, or even your mortgage while you recover.
Best for: Those who want to ensure a critical illness doesn't lead to financial ruin.
Umbrella 2: Umbrella 1 + Dental, Vision & Hearing and Skilled Nursing
You shouldn't have to pay out-of-pocket just to see, hear, and eat well. This tier adds coverage for the daily essentials that Medicare famously ignores, plus protection for short-term stays in skilled nursing facilities.
Best for: Beneficiaries who want comprehensive "head-to-toe" protection.
Umbrella 3: Everything in Umbrellas 1 & 2 + Recovery Care
This is the total package. Recovery Care ensures that if you need rehab or extra help at home after a surgery or illness, your 401k stays untouched. It bridges the gap between the hospital and being fully back on your feet.
Best for: Those who want absolute peace of mind and want to protect their legacy for their family.
Why Add Umbrella Coverage?
Medicare is a great foundation, but it wasn't built to cover everything. Our Umbrella plans help you manage:
Non-Medical Expenses: Rent, groceries, and transportation during a cancer treatment.
High Deductibles: Paying for out-of-pocket costs before your primary insurance kicks in.
Home Modifications: Costs for wheelchair ramps or bathroom grab bars if your mobility changes.
Your Partner in Simple Protection
At Keep It Simple Insurance, we believe Medicare shouldn't be a riddle. David Thau specializes in building complete safety nets—pairing your primary Medicare coverage with the essential "Umbrella" policies that protect your savings from Cancer, Heart Attack, Stroke, and Long-Term Recovery costs.
Keep It Simple Insurance
David Thau
Resident Texas License # 2760543
Licensed In Multiple States
Office Hours:
Mon-Fri: 9:00am-5:00pm
Sat-Sun: Closed
6136 Frisco Square Blvd
Suite 400
Frisco, Texas 75034
