Our Services
We create solutions that empower you and provide support for your employees at extremely competitive rates
We offer group and individual health insurance plans for our clients in the greater Tri States area.
We specialize in offering a full ranges of Medicare Plans such as Part C, PDP, Medicare Supplement.
Navigating the process of purchasing life insurane can be complex. At here, we educate and guide our clients through process, ensuring they get the best possible plan to fit their budge and lifestyle.
Disability insurance creates a safeguard for any unexpected accidents that are not work related. Our disability insurance plans off our clients peace of mind with the knowledge that they are covered for every eventuality
Our team members have years experiences in supporting our independent brokers/agencies in many ways
- Exclusive/Captive Agent. This is an agent who works for just one insurance company and only sells policies for that particular carrier. Captives cannot make recommendations outside their company, which isn’t always the best solution for the client.
- Independent Broker. Whereas, these particular agents would for several different companies and offer multiple policies from several companies to help customers compare different plans, rates and policies. Independents can make recommendations based on what’s best for you, not the insurance companies.
IMO = Independent Marketing Organization. Usually referred to as an IMO when it’s on the life side.
FMO = Field Marketing Organization. Usually referred to as an FMO when it’s on the health side.
You shouldn’t be giving up anything if you go with an IMO/FMO. Usually the IMO/FMO not only can get you a better contract (level of commission) as opposed to going directly with the company, but also the IMO/FMO can provide better support for you and your agency.
Medicare Advantage plans are alternatives to original Medicare. Medicare supplement plans can only be used with original Medicare.
Medicare Advantage Plan (Part C) combines the benefits of Medicare Part A and B or prescription drug coverage. Sometimes it covers additional benefits such as dental. visions. hearing aids, etc. A person with this type of plan might pays a plan premium, copayments, and/or a deductible.
Medicare Supplement Plan (Medigap) helps fill the gaps in original Medicare’s coverage. A supplement plan helps cover coinsurance, copayment, and deductible expenses.
Medicare Open Enrollment Period starts from October 15 to December 7.
What can I do?
- Change from to a Medicare Advantage Plan.
- Change from a Medicare Advantage Plan back to Original Medicare.
- Switch from one Medicare Advantage Plan to another Medicare Advantage Plan.
- Switch from a Medicare Advantage Plan that doesn’t offer drug coverage to a Medicare Advantage Plan that offers drug coverage.
- Switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn’t offer drug coverage.
- Join a Medicare drug plan.
- Switch from one Medicare drug plan to another Medicare drug plan.
- Drop your Medicare prescription drug coverage completely.
The plan benefits are changed every year, your doctors may or may not be in the network for the coming year. It is better to talk with your agent annually to make sure the services that you need remain the some or better