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Upstate Medicare
Lump-sum protection

Cancer & Critical Illness

Coverage that pays a benefit if you’re diagnosed with a covered serious illness.

A serious diagnosis brings costs health insurance never touches — travel, time off work, everyday bills. This coverage puts cash in your hands when you need it most.

Who it’s for

People who want extra financial protection beyond their health coverage.

What to weigh

Benefits, covered conditions, and qualification vary by plan. We walk through whether it complements — rather than duplicates — your existing coverage.

How Upstate helps

We walk through whether it may fit your situation and compare the options our agency is appointed to offer.

Get local help

This website provides general educational information and is not personalized insurance, legal, tax, or medical advice. Coverage, costs, provider networks, formularies, eligibility rules, and plan availability vary by plan and service area and may change each year.

Have questions about Medicare? Let’s talk.

No-pressure support through our local, independent agency. We’ll compare the plans our agency is appointed to offer in your service area and explain them in plain English.

A non-government agency. Our agency is independent and not captive to one carrier.