Group Health Insurance Options
The Central New York Agency, LLC has a wide variety of group benefits that are available for SAANYS members during their negotiation
process. Our agency has brokerage relationships with multiple carriers that will allow our firm to shop and compile the best benefit
programs available for your members. Our group benefits programs consist of the following but is not limited to:
Group Life Insurance
Group Short/Long Term Disability Insurance
Group Medical Insurance (Health)
Group Long Term Care Insurance
Group Dental
Group Vision
Policy Review
Our team will review your current coverage’s and also offer a free replacement cost comparison on your
home.
Cancer Insurance?
Cancer-related costs in the United States continue to increase. However, more and more cancer patients are
surviving due to improved treatment options. Many of these options are expensive and can be financially draining on a family,
especially when you are already dealing with the emotional and physical toll of cancer.
- In the U.S., men have a 1 in 2 lifetime risk of developing cancer, and for women the risk is 1 in 3.
- Cancer costs Americans more than $206 billion annually
Source: Cancer Facts & Figures, American Cancer Society, 2007.
With cancer insurance, you can take the next step after diagnosis with comfort and reassurance. Benefits from our cancer plan
will help you pay the following types of out-of-pocket expenses:
- Home health care or caregivers you may require.
- Home or automobile modifications.
- Mortgage, utility bills, and other everyday living expenses.
- Travel costs to and from treatment centers.
Medicare & Medigap Supplements
We have a wide range of health insurance options that can provide you with the very
best Medicare supplemental insurance. We can also enhance your coverage with
dental and prescription drug plans. If you are turning 65 or are currently in the
market for a supplement policy, please contact a member on our team.
Voluntary Life
The Central New York Agency is making available the opportunity for SAANYS members and their family members
to take advantage of a simplified issue supplemental Life Insurance program. This gives members who may be declined because of past
or current health issues the opportunity to obtain Quality Life Insurance coverage with no physical exam. Answer 4 background
questions correctly and you qualify. For more information contact us at 1-877-251-2540
Voluntary Disability Income Insurance
Have you ever thought about your ability to maintain yours and your family’s lifestyle if you were no longer
able to work? What would your family do for income? How would you pay the bills? The Central New York Agency and our trained
professionals can help you plan for such an occurrence. Our firm is offering SAANYS members the opportunity to protect themselves
and their families on a voluntary basis with a Disability Income Insurance policy. The policies are individually owned and are
portable if you leave or retire from your current school district. For answers to any questions or for more information contact our
SAANYS Group Benefits Hotline at 1-877-251-2540
Dental
Our individual dental plans are available for members under and over age 65. Contact us for rates.
Madison Dental
3 great insurance plans to choose from!
- Plans available for under and over age 65
- All plans available as indemnity or PPO. Services rendered by a non-PPO provider will be paid based on the Maximum Allowance Charge per the fee schedule.
- Optional OrthoCare orthodontia discount plan
|
Value Plan |
Primary Plan |
Superior Plan |
Preventative |
80%/100%* |
80%/100%* |
100% |
DiagnosticX-Ray |
80%/100%* |
60%/80%* |
90% |
Basics |
25%/80% |
25%/75% |
80% |
Major |
0% |
10%/40%* |
50% |
Annual Maximum |
$500 |
$1,000 |
$1,250 |
Annual Deductible*** |
$50
Age 65+;$100 |
$50
Age 65+;$100 |
$50
Age 65+;$100 |
Office Visit Copay*** |
$10
Age 65+; $25 |
$10
Age 65+; $25 |
$10
Age 65+; $25 |
Waiting Periods |
None |
None |
Basic- 4months
Major- 15months |
*1st year/2nd year and subsequent years
** Office visit copay applies these deductible and any applicable coinsurance
*** Deductible and copay for all insurers determined by age of primary subscriber if either spouse is 65 or older
Call Central New York Agency for your free quote: 877-251-2540
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