What We Offer
Group and Individual Health Insurance
- Health insurance minimizes the risk of financial loss due to illness and injuries. High quality employer group and individual health insurance plans can be purchased to cover expenses incurred for doctors, hospitals, prescriptions, tests, etc.
Group and Individual Dental /Vision Insurance and Savings Plans
- Dental and Vision health can be key indicators in detecting early stages of many health risks and diseases along with preventing many other health issues. Finding dental and vision insurance and savings plans to meet your needs doesn't have to be difficult. Let us help!
Medicare Supplement Insurance and Part D Prescription Plans
- Medicare Supplement policies cover costs not paid by Medicare, such as co-pays and deductibles for doctor visits and hospitalization. Plans offer comprehensive coverage so you can see any doctor and there are usually few if any out-of-pocket expenses.
- Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
- Click here to find and compare plans - for residents of New York and New Jersey: www.sadlerhayes-medicare-direct.com
Long-Term Care Insurance
- Long-Term Care insurance provides coverage for many services used by people who have disabilities or chronic (long-lasting) illnesses. Both tax-qualified and non-qualified plans as well as a special stand alone home health care plan are available.
Disability Income Insurance
- What would happen if you lost your most important asset? Your ability to earn an income. The risk is real. If you were disabled for three months or more due to an accident or an illness, how would you pay your bills? Are you willing to gamble with all you have worked so hard to save? Learn more about protecting your income with disability income insurance.
Critical Illness Insurance
- Costly illnesses trigger about half of all personal bankruptcies, and most of those who go bankrupt because of medical problems have health insurance, according to a Harvard University study. Even if you have great insurance, you will have to pay insurance deductibles and co-pays. You'll pay for care, medications and alternative treatments that are not covered. Your paycheck will stop or be reduced. You'll still need to pay the rent, the mortgage and everyday expenses. If you are self-employed or own a business, the financial toll can be devastating to everything you worked to create.
- Today you can find out more about an affordable way to receive a lump-sum cash benefit upon the diagnosis of a critical illness or condition such as a Heart Attack, Stroke, Cancer. Critical illness insurance pays a lump sum cash benefit even if you make a full recovery.
- Today is a good day to get the information you need to protect tomorrow.
Life Insurance
- Life Insurance can be an important part of your estate plan. Final expense, Term life and Whole life insurance policies are available to help plan for the future.