Health Insurance

Health (or Medical) Insurance can be very complex. There are copay plans, coinsurance plans, high deductible plans, HSA qualified plans (which are typically high deductible, although not all high deductible plans are HSA qualified), no deductible plans, SHOP plans, Healthy NY plans, community rat...

Vision & Dental Insurance

Along with medical insurance options, vision and dental insurance are very popular benefits, typically voluntary, for an employer to offer their employees. For most vision plans, a group plan can be implemented with only 2 enrolled, where as dental is usually 3 employees. Vision Vision insurance ...

Accident & Cancer Policies

Accident Policies Accidents happen to all kinds of people every day. In 2009, 38.9 million people—about 1 out of 8—sought medical attention for an injury.¹ What would the financial impact of an injury mean to your security? Are you prepared for medical debts in addition to everyday household...

Short & Long Term Disability

Working can be risky to the health and well-being of adults. According to the Council for Disability Awareness, around one-quarter of today’s 20-year-olds have a chance of becoming disabled at some point in their career before retirement. On average, a long term disability incident lasts 34.6 mon...

Life Insurance

Life insurance, as a topic of discussion, is usually shied away from or avoided altogether. It’s uncomfortable to think about “the end” and what that might mean for our spouses and children. Nobody likes to think something of the sort could happen to them, that we all will live well into our nine...

Insurance Carriers

Our agents are credentialed with the following insurance carriers: Aetna Life Insurance Company Allstate Life Insurance Company of New York American Family Life Assurance Company of New York American Progressive Life and Health Insurance Company of New York Ameritas Life Insurance Corp. of New Yo...

Benefit Review

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Integrated Benefit Solutions

Tag: Insurance