J. Sadler Hayes, II

Sadler Hayes Associates, Inc. "Protect Your Quality of Life"

Coverage for your unique needs!

About Us

Plans Offered

I assist individuals with selecting and enrolling in Medicare Supplement Plans, Medicare Advantage Plans, Prescription Drug Plans, Dental and Vision Plans, Term LIfe Insurance, Travel Insurance and other life insurance and annuity plans in the States of New York, New Jersey and Connecticut.

Needed Coverage

I can help to cover medical, dental and vision expenses as well as life insurance to ensure that, when you die, your family will have the financial resources needed to cover final expenses and debts.

Check out the Plans and Insurance

Here you will find information for Term Life Insurance, Final Expense Whole Life Insurance, Medicare Plans and Dental and Vision plans, a Medical Cost Share Plan (MPB) and Health Share Plan as well as Travel Insurance and Pet Coverage.

For Sole Proprietors and Businesses. there are a number of valuable benefits available with membership in the Elevate Wellness Association - including medical. term life insurance, dental, vision and more.

J. Sadler Hayes, II invites you to receive instant term life insurance quotes.

Click Here: Get a Quote and Enroll Online

Pre-Planning for Tomorrow's Peace of Mind - Final Expense Whole Life Insurance

Peace of mind for you and your loved ones!

Losing a loved one can mean more than an emotional burden...it can also create a financial burden. Have peace of mind knowing your final expenses are not left as a burden to your loved ones.

FACT: "Funerals rank among the most expensive purchase many consumers will ever make. Many funerals will run over $10,000.00."

In addition to your funeral expenses, your loved ones may be faced with other outstanding final expenses such as a mortgage, car loan, credit card payments, utility bills and out-of-pocket hospital or doctor bills.

No one knows when we or a loved one will die, but we can take steps now to help make sure that burial costs and other final expenses will be covered when these bills come due.

How much could final expenses cost?

Over $10,000.00 plus some! That's right. The amount needed to cover final expenses could be over $10,000.00.

It's comforting to know your final expenses are covered. Why leave your loved ones with a financial burden as well as a loss? A whole life insurance policy can help provide the thousands of dollars usually needed to cover the cost of funeral services, burial and other final expenses.

Where will the money come from?

Social Security Death Benefit:

$255 lump sum death benefit to qualified dependents.

Veterans Administration Death Benefits:

#300.00 lump sum death benefits, only if you qualify.

Savings:

* Do you have the funds necessary to cover your final expenses?

* Keep in mind that Social Security Income can be reduced when a spouse dies.

Loved Ones/Family:

* Do they have the funds necessary to cover such costly expenses?

* Do you want to put that burden on your loved ones/family?

Your legacy is the gift you leave to your family.

You want to leave your loved ones many things, cherished memories, treasured family heirlooms, and the financial security to achieve the goals you've planned together.

One thing you will not want to leave your family is the burden of outstanding debts from finanl expenses.

Get a Quote below for a Final Expense Life Insurance Plan - and contact me to learn more - You'll be glad you did.

Medicare / Dental / Vision / Health

Medicare Plans I Offer for 2025

In addition to Medicare Supplement Plans - I offer:

Medicare Advantage (Part C)
Medicare Advantage (Part C) plans work in place of your Part A and Part B Medicare coverage. Benefits include medical coverage for hospital and medical expenses, but not prescription drugs.

Prescription Drug (Part D)
Prescription Drug plans cover prescription needs, but offer no medical coverage.

Medicare Advantage Prescription Drug (C + D)
Medicare Advantage Prescription Drug plans combine the benefits of a Medicare Advantage plan and a Prescription Drug plan. Benefits include medical expenses and prescription drug coverage.

We (I) do not offer every plan available in your area. Any information we (I) provide is limited to those plans we (I) do offer in your area. Please contact Medicare.gov or

1-800-MEDICARE to get information on all of your options."

2025 Medicare Plans are now Available - Click Here

1Dental - Save money on every dental visit!

Meet a smarter,simpler way to get dental care. The 1Dental Savings Plans have dental provider networks with the Aetna Dental Access and Careington Care 500 with tens of thousands of dental providers nationwide. With 1Dental, you can fully use the plan right away. There are no claim forms, no deductibles and no waiting periods. There are no limits or maximums, unlike dental insurance. And 1Dental plans cost a LOT less than dental insurance. Click below to learn more and it only takes 5 minutes to set up your plan.

Click Here to Learn More about the 1Dental Savings Plans

Spirit Dental Insurance for Individuals and Families

Packed with value, Spirit Dental

makes it easy for you to pick a dental

plan that fits with your situation and

lifestyle—because we know not

everyone has the same needs. Note that there are NO waiting periods for Basic and Major work. Find a plan that works for you when you get a quote.

Click Here for a Spirit Dental Insurance Quote and Enrollment

Direct Vision Insurance for Individuals and Families

Say hello to savings and health! Direct Vision ensures your eye health will always be at

the forefront, and with a new vision plan, your new look is just around the corner. (Plus,

Direct Vision plans are super affordable!) Get a quote here:

Click Here for a Direct Vision Insurance Quote and Enrollment

A Smart Choice for Dental Coverage

You can count on Delta Dental as a trusted leader in dental coverage. Plans from Delta Dental make sure you get the coverage you need, at a reasonable cost, with a dentist you trust.

Delta Dental offers three simple, easy-to-use and affordable plans for individuals:

Basic PPO, Premium PPO and DeltaCare USA.

Click Here for a Delta Dental Quote for Individuals and Families

Elevate Your Well-Being with Elevate Wellness Association!

Are you searching for a straightforward way to find comprehensive health and wellness benefits for yourself, your family, or your business? Look no further than the Elevate Wellness Association (EWA)! EWA offers a wide range of valuable benefits designed to meet the needs of individuals, families, seniors, sole proprietors, and small businesses.

Here's what EWA membership can provide:

Dental and Vision Insurance: Keep your smile healthy and you vision clear with coverage for routine checkups, cleanings, and eyewear. NO WAITING PERIODS!
Medical Coverage: Access comprehensive Major Medical PPO plans to help safeguard your health and manage healthcare costs. Choice of National Provider Networks include Cigna, PHCS and QualCare (NJ) and plans which allow for a Health Savings Account (HSA) are also offered.
Critical Illness Insurance: Get financial protection in case of a serious illness with critical illness insurance – up to $30,000.
Group Term Life Insurance: Secure your loved ones' financial future with affordable group term life insurance. Immediate life insurance options up to $50,000 with no medical examination required. Up to $300,000 with a little underwriting.
Accident Coverage: Prepare for the unexpected with accident coverage that can help with medical bills.
Lifestyle Plans: Enhance your overall well-being with access to lifestyle plans that promote healthy living. Stand alone Telemedicine, and a pet plan for discounts at participating vets.

Ready to learn more?

Visit www.sadlerhayesassociates.biz and enter Access Code: JHNY8431

Click here to Learn More - and enter Access Code: JHNY8431

Healthcare Benefits That MPOWER You! - Check out MPB Health (Zion HealthShare)

FRUSTRATED WITH YOUR HEALTHCARE PLAN?

Health sharing plans are an affordable alternative to health insurance with no network restriction. Enroll anytime!

Click Here for the alternativive Health Sharing Plans with MPB Health

Health Savings Account (HSA)

Would you be interested in a health insurance program that puts you in control of your own health care dollars, while protecting you and your family against the cost of a serious illness or injury?. Combine the benefits of a qualified High Deductible Health Insurance Plan with a tax advantages of the HSA.

To learn more about individual and group High Deductible Health Insurance plans that are qualified for HSAs, contact Sadler Hayes at 845-639-0492 or email sadlerhayes@gmail.com

Learn more about HSAs and Set Up an Account

Looking to Reduce Your Health Coverage Costs?

Combined Minimum Essential Coverage (MEC) & HealthShare

Here's how it works:

A Minimum Essential Coverage (MEC) plan provides basic coverage and has co-pays for office visits both primary and specialists as well as urgent care, x-rays, prescriptions and more without a deductible.

A HealthShare Plan involves sharing healthcare costs with a community, similar to a faith based sharing ministry. These plans are not insurance, but offer additional coverage for expenses beyond the MEC Plan such as hospital, surgery, emergency room, etc. and often at a lower cost when compared to traditional insurance.

Download this information to learn more about the befits and costs for this combined plan approach.

Download this Information

Business Owners - Wrap SPD - Are You in Compliance?

Avoid the Affordable Care Act $110 per Day per Employee Fine with a Wrap SPD for Your Group Health Plan -

Click here to learn more: https://flexaffiliates.com/plan/Sadler/index.php

_Planning for Long-Term Care

Check out this Video -

Pin Paws - Pets are family. And family deserves the best.

We combined great pet coverage1 with top-quality customer service just for you.

Flexible, customizable plans2

Use any licensed vet facility

Multi-channel support options

Get a Quote for Pin Paws

Travel Insurance Center

Why Travel Insurance Center?

For two decades, customers have trusted Travel Insurance Center®, operated by Senior Market Sales LLC (SMS), an insurance marketing organization, to help them find coverage that provides the protection they want, for the best price.

Get a Quote & Enroll

CREATE A CHARITABLE LEGACY

Think LegacyLife

Life Insurance is a practical and affordable way for you to do more than you may have thought possible. "Deferred Legacy Gifts" of $5,000, $10,000, $25,000 , $100,000 or more are within reach. Donors no longer need to accumulate wealth in order to make substantial and meaningful gifts to charities, schools, universities, houses of worship, community foundations...

www.thinklegacylife.com

FREEWILL

Get Peace of Mind

Everyone should make a will or living trust, regardless of wealth. Having a plan in place ensures that your wishes are known and saves your loved ones the stress and cost of intestate probate proceedings. Create a free will or trust to support the people and causes you care about most even after you’re gone.

Make My Will

Contact me

J. Sadler Hayes, II

Please send me a message if you have any questions or would like more information.

Feel free to fax any documents to 845-210-9134

Sadler Hayes Associates, Inc.

64 Rolling Ridge Road, New City, New York 10956, United States

845-639-0492 sadlerhayes@gmail.com www.sadlerhayesassociates.com

Sadler Hayes Associates, Inc.

64 Rolling Ridge Road, New City, New York 10956, United States

845-639-0492

Sadler Hayes Associates, Inc. "Protect Your Quality of Life"