Universal Healthcare


Managing Your Retirement Planning to Help Achieve Financial Longevity

We Are Here To Help!

Our Exclusive Financial Longevity Bundle© incorporates Social Security, Healthcare/Medicare, and Cash Flow (budget) in your retirement planning to help you achieve the goal of not outliving your money!

We are experts in complete retirement planning including Social Security and all areas of Medicare. We focus on providing our clients a complete understanding of Social Security and Medicare. We work alongside each individual to make certain they are properly enrolled in Social Security, maximizing their cash flow (budget) and strive to make sure each individual has chosen the best Medicare plan to fit their health care needs and budget.

Our experienced team of professionals strives to help our clients sort through and understand the complexities of Medicare and its costs to coincide with their retirement stream. Our personalized approach helps clients achieve financial wellness by coordinating their retirement planning to support health and financial goals.

Today, financial portfolios and non-liquid assets are only one of the critical elements that make up and affect the Cash Flow that you will need for your retirement income – Cash Flow that to help you achieve financial wellness. Our exclusive Financial Longevity Bundle© was developed to provide our clients with an all-inclusive approach to retirement planning. Many people were working with financial advisors or financial representatives with the sole focus on investment/retirement products and planning. Few, if any, incorporated Social Security review, enrollment in Social Security retirement benefits, Medicare Part A, B, C & D in coordination with choosing the right Healthcare/Medicare plan in the full retirement planning process. Thus, UWM felt it was crucial to creating The Financial Longevity Bundle©– lifetime cash flow (budget) – to cover all areas when planning for one’s retirement.

Individual and Group Health Insurance
Individual and Group Medicare Health Insurance
Medicare Prescription Drug Coverage
Dual Eligible Medicare/Medicaid Plans
Dental Plans
Social Security Retirement Benefits
Social Security Disability Benefits
And more...

Universal Healthcare / Universal Wealth Management is an independent insurance agency. Our valued partners include Aetna, Blue Cross Blue Shield, United Healthcare®, Wellcare, and many more.

We work together as an independent insurance agent to provide the benefits needed to make your Social Security and Medicare decisions

Steps for Social Security and Medicare Enrollment Process

Individual and Group Health Insurance

Understanding Social Security

Enrollment In Social Security

Understanding Medicare Parts A, B, C & D

Choosing the Best Medicare Plan For You

Enrollment in Medicare Health Plans

Medicare Prescription Drug Coverage

Latest Articles

Explore some of the latest trends and strategies

Be at the Forefront of Retirement Planning, Social Security, and Medicare.

Our mission at Universal Healthcare / Wealth Management is to help you and your family gain the financial wellness you deserve to achieve your goals through the many major life transitions.

Meet Our Team

Call Us To Discuss Your Options, and We’ll Help You Find The Right Coverage.

Founding Partner | President | Universal Health ManagerKaren Emma

Director of HealthcareKaitlyn Miller

Registered Administrative Assistant | Insurance Specialist Joseph Goddard

Administrative Assistant to Karen Emma, PresidentCindy Bailey

Director of PR and MarketingDeb Weinreich