Medicare Advantage
Medicare Advantage plans are health care options that are part of the Medicare program. Coverage may include prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
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Why Work With Us?
Experience
President Mike OBrien has 30+ years of experience serving people with their insurance needs here in NY. That knowledge and expertise has been passed down to our team. Which means you'll be getting excellent guidance and service taking the stress out of it all.
Expert by your side
When you choose to work with an independent agent you have a dedicated professional by your side at no extra cost to you. Helping you find and understand your plan options, saving you time and money.
Options
You'll have many insurance companies to select from when you are shopping your insurance for continued time to come. We partner with many of the top companies around to give our clients the most competitive options available.
Local
You'll get local expertise and service you can count on. Giving you the relevant ins and outs you need. We also have two offices in the Capital Region of New York when you want to see us.
ABOUT US
Your Trusted Insurance Professionals
When it comes to insurance, we know that making the right choices for you and your family can be daunting. To help you make the right decision we take a commonsense approach – we ask questions, listen to your answers and only then recommend the type of policies that will fit your particular needs.
Learn About the Types of Coverage We Offer
Your needs and situation are unique. We are commited to spending the time to get to know you to make sure that you get coverage and support that fits your lifestyle.
Medicare Supplement
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Medicare Part D
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.
Dental & Vision Insurance
Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.
Critical Illness
If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer’s disease, Critical Illness insurance typically pays a lump sum. Some may pay a monthly cash benefit
Accident & Sickness Insurance
Hospital Indemnity Insurance can provide gap coverage to help offset co-pays, deductibles, and incidental expenses not covered by your medical insurance.
Life Insurance
Life insurance is an important policy to have to protect your loved ones from expenses they would incur in the event of your loss. We help with anywhere from Term to Universal to Whole Life insurance from many top companies
Auto & Home Insurance
Protecting your home, autos, and other personal property is a must. Having them properly covered for the right price with a reliable company is equally important. We can help with Home, Auto, Renters, Condo, Landlord, Motorcycle, Boat, and more.
Business Insurance
Protecting your business is vital. We have a wide variety of policy options from Workers Compensation insurance, General Liability insurance, Business Owners insurance policies, Commercial Package insurance policies, and more.
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