We specialize in the needs of seniors and those turning 65!

 

We work for you NOT, the insurance companies!

We offer a full range of insurance services:

  • Medicare Supplement & Medicare Advantage Plans
  • Whole Life , Term Life Policies And Final Expenses Guaranteed Issued Policies
  • Dental Insurance Plans
  • Long-Term Care Hybrid Plans that are combined with Life Insurance

 For Articles & News, Videos and Free Quotes Click on Links above.....

The Elderly Pharmaceutical Insurance Coverage (EPIC) : the Dedutible Plan is for members with incomes ranging from $20,001 to $75,000 if single or $26,001 to $100,000 if married! Wow up to $100,000!

EPIC is a program is a New York State program for seniors administered by the Department of Health. It helps more than 280,000 income-eligible seniors aged 65 and older to supplement their out-of-pocket Medicare Part D drug plan costs. Seniors can apply for EPIC at any time of the year and must be enrolled or eligible to be enrolled in a Medicare Part D drug plan to receive EPIC benefits and maintain coverage.

EPIC provides secondary coverage for Medicare Part D and EPIC-covered drugs purchased after any Medicare Part D deductible is met. EPIC also covers approved Part D-excluded drugs once a member is enrolled in Part D.

EPIC helps pay the Medicare Part D drug plan premiums for members with income up to $23,000 if single or $29,000 if married. Higher income members are required to pay their own Part D premiums but EPIC provides premium assistance by lowering their EPIC deductible.

EPIC has two plans based on income. The Fee Plan is for members with income up to $20,000 if single or $26,000 if married. The Deductible Plan is for members with incomes ranging from $20,001 to $75,000 if single or $26,001 to $100,000 if married.

It is easy to join the program. Just complete the application and mail or fax it to EPIC. No documentation is required. EPIC verifies information with the Social Security Administration and the New York State Department of Taxation and Finance.

Click here https://www.health.ny.gov/health_care/epic/

In your state it may go by the title: "SPAP" State Pharmaceutical Assistance Program, check with your State's government website. 

Frequently Asked Questions

HOW TO CONTACT US?

You can either call us direct at 845-452-4311 or fill out the contact us form under the header above.

How much will this cost?

All our services are paid for by the insurance companies we represent. You don't any more by using our services than you would by going directly to the carrier.

What about if I'm new to being online?

We can do Skype with you can walk you through the process right in your home.

Can I buy with a check?

Most carriers do not require a check until the policies are issued.

Most carriers prefer direct withdraw of premiums.

Can You Share Our Information With Family & Friends?

We welcome you sharing all of our FREE information with anyone who would benefit from this information.  If you know someone who is turning 65 within the next 12 months please have them contact us.

How does our services work?

We can either meet at our office, online or at your home if you live in the Hudson Valley, N.Y.  If you live outside of New York we are able to offer our services online or over the phone.

What do the letters after my name mean?

The letters after my name are professional designations I earned in 1995 from the American College of Financial Services.

CLU means, I am a Chartered Life Insurance Underwriter

ChFC means I am a Chartered Financial Consultant

REBC means I am a Registered Employee Benefits Consultant

Why Do We Specialize In Serving Seniors?

I am a senior myself and understand the needs and fears of our age group.

Our services are fully insured for your protection.

Not only are we fully licensed by both State & Federal agencies we also carry Errors & Omission policies for your further protection.