Cancer, heart attack, and stroke insurance in New Braunfels, TX.
A serious diagnosis brings costs Medicare doesn't cover — travel to specialists in Houston or San Antonio, home care, lost income for a spouse. A lump-sum critical illness policy puts cash in your hands when you need it most.
- 8+ years advising local families
- Independent — access to all major carriers
- Zero cost. Zero pressure. Ever.
You'll recognize yourself in at least one of these.
Your spouse gets diagnosed with cancer at MD Anderson — 3 hours away
Hotels, gas, meals, and a caregiver's lost wages add up fast. A $25,000 lump sum lets you focus on treatment, not logistics.
You have a heart attack and need weeks of cardiac rehab
Cardiac rehab, home modifications, and time off from part-time work all cost money. Critical illness pays it directly to you.
You survive a stroke but need in-home care during recovery
A single lump sum can fund months of caregiving or home health aides — a category Medicare barely covers.
You want protection without adding another premium to Medigap
Standalone critical illness is separate from Medicare — one small monthly premium for real financial protection against three common diagnoses.
How a lump-sum diagnosis policy works.
Critical illness insurance is a fixed cash-benefit policy. Upon diagnosis of a covered condition — typically cancer (invasive), heart attack, or stroke — the insurance company pays you a lump sum directly. No receipts, no coordination with Medicare, no restrictions on how you spend it.
What's typically covered
Combined policies cover invasive cancer, heart attack, and stroke. Enhanced versions add kidney failure, major organ transplant, and other conditions. Cancer-specific policies often add benefits for chemotherapy, radiation, and hospital stays.
What's usually not covered
Skin cancer other than melanoma, non-invasive (in-situ) cancers at reduced benefit, and pre-existing conditions within the lookback period. We review the definitions carefully before enrollment.
Who benefits most
People with limited liquid savings, self-employed spouses whose income would stop during your recovery, and families where a major diagnosis would create real financial strain beyond medical bills.
Get real answers about critical illness in New Braunfels.
One phone call. No sales script. Bring your medications, doctors, and questions — I'll bring the plan comparisons.
Outcomes, not brochures.
- Lump-sum cash paid directly to you upon diagnosis — spend it however you need.
- Covers cancer, heart attack, and stroke — three of the most common serious diagnoses.
- Independent of Medicare — pays in addition to whatever Medicare and your Medigap or Advantage plan cover.
- Simplified underwriting with most carriers — a handful of health questions.
- Benefit amounts from $10,000 to $50,000+ to match your needs and budget.
- No restrictions on use — treatment travel, home care, income replacement, family expenses.
Four steps. Zero pressure.
Discover
We start with a no-cost conversation about your health, budget, doctors, and prescriptions.
Compare
I shop the top carriers side-by-side and translate the fine print into plain English.
Enroll
When you're ready, we complete the application together — usually in a single sitting.
Support
Questions in year two, three, or five? Call me. I stay your advisor after the paperwork is signed.
Built for New Braunfels and the Texas Hill Country.
New Braunfels residents often travel to Houston (MD Anderson), San Antonio (South Texas Medical Center), or Austin (Dell Seton) for specialty treatment of serious diagnoses. Those trips carry real costs that Medicare doesn't reimburse.
I've placed critical illness coverage for families across Gruene, Canyon Lake, Seguin, San Marcos, Bulverde, and Spring Branch. It's the coverage no one wants to use — and the coverage that changes everything when they do.
Related coverage
Answers before you ask
01What is critical illness insurance?
Critical illness insurance pays a lump-sum cash benefit upon diagnosis of a covered condition — most commonly cancer, heart attack, or stroke. The money is yours to use however you want: medical bills, travel to treatment centers, home modifications, income replacement, or family expenses.
02How does it work with Medicare?
Critical illness is a supplemental cash-benefit policy that pays regardless of what Medicare pays. If you're diagnosed with a covered condition, you get the lump sum on top of anything Medicare or your Medigap/Advantage plan covers.
03What benefit amounts are available?
Common face amounts range from $10,000 to $50,000, with some carriers offering higher. Premium scales with age, benefit amount, and health at application. Many New Braunfels clients start at $25,000.
04Is one policy for all three conditions, or separate?
Both options exist. Combined policies cover cancer, heart attack, and stroke under a single plan and premium. Separate cancer-only or heart-attack/stroke-only policies also exist. We compare both structures.
05Are there pre-existing condition restrictions?
Yes. Most carriers require you to have been symptom-free of the covered condition for a defined period (often 12+ months). Simplified issue underwriting typically involves a few health questions.
06Does the policy pay again if I have a second event?
Some do. Modern policies often pay a percentage of the benefit for a second occurrence of a different covered condition. Specifics vary by carrier — we read the fine print together.
07Can I use the money for anything?
Yes. The lump sum is paid directly to you with no restrictions on use. Travel to MD Anderson in Houston, home health aides, mortgage payments, income replacement while you recover — your choice.
08Is critical illness worth it if I have a solid Medigap plan?
That depends on your financial cushion and the incidental costs of a major diagnosis. Medigap covers the medical bills; critical illness covers everything else that accompanies them.
Get a critical illness quote before you need it.
Cancer, heart attack, and stroke coverage is inexpensive when you're healthy and impossible to get later. Let's talk.