Listed below is a portfolio of products & services that we could assist you and your organization with:
Health Insurance (HMO/EPO/POS/PPO/HSA)
- Community-Rated (2 – 50 employees)
- Experienced-Rated (50+ employees)
- Self–Insured Programs (100+ employees)
- Association Plans (Sole Proprietors/Self-Employed)
Comparison software will be utilized to select the most appropriate insurance carrier from the standpoint of rates, benefits and participating providers.
Low Cost “Defined Benefit/Limited Benefit/Mini-Medical” Plans
There are cost-effective solutions that can be ½ the cost of a fully-insured health plan. These are not “Major Medical” plans, but they give you coverage where you need it most:
- Doctor/Specialist visits (no referral needed In and Out-of-Network)
- Surgery & Anesthesia Coverage
- Hospital Coverage (up to 100 days)
- Prescription Drug Coverage (available as a rider)
The Plan Pays You! (No Co-Pays & No Deductibles)
No Employer Contribution or Participation Requirements!
There are several affordable plans to choose from
HIPAA Compliant – it counts as “credible coverage” towards Pre-existing Condition clauses (entering & leaving the plan)
Great for: 1099’s, Part-timers/COBRA Alternative/Recent College Grads
Dental Coverage
There are many different carriers we can go to for you specific needs. Whether it is low-cost or comprehensive coverage you require, we’ll have the solution(s) appropriate for your situation:
- Fully-Insured (2 – 50 employees and 50+)
- Self-Insured (groups of 50+ employees)
- Sole Proprietors/Self-Employed
- Individuals
Group Benefit Programs
As a small business owner or large employer, we can supply you with competitive group coverage on the following programs:
- NY State Mandated Disability (DBL)
- Worker’s Compensation
- Long Term Disability
- Term Life Coverage
Voluntary Group Benefit Programs
As an employer you can sponsor a group benefit that is fully paid by your employees via Payroll Deduction. The employee receives the group discounted rates & you’ve made sure that they’re covered on such programs as:
- Cancer Care coverage
- Critical Illness (Cancer, Hear Attack, Stroke, etc.)
- Long Term Care
- Life Insurance
- Vision
- National Legal Plan
Long Term Care Insurance
In this day & age, Long Term Care coverage is an essential part of proper financial planning. We offer a competitive array of solutions for:
- Individuals
- Couples
- Groups
Estate Planning
Advanced planning services are available for closely held businesses that offer a powerful array of strategies for:
- Tax reduction
- Asset Protection
- Estate Planning
