Health Resources Insurance

Health Resources Insurance Services is an independent agency based in New York state, specializing in senior health and life insurance. Our mission is to educate clients on their health and life insurance options so that they can choose plans that allow them both financial security and peace of mind. We offer a wide range of insurance plans from several of the top carriers in the industry, providing our clients with the opportunity to find the best plan that suits their needs. At Health Resources Insurance Services, we are committed to offering personalized and attentive service to each of our clients, ensuring that they receive the care and support they need to make informed decisions about their insurance coverage.

Our Services

Health Resources Insurance Services offers a variety of insurance plans, including Medicare Advantage Plans, Medicare Supplement Plans, Prescription Drug Plans, and Guaranteed Issue Life Plans.

• Medicare Advantage Plans: Medicare Advantage Plans, also called "Part C" or "MA Plans, " are health plan choices for Medicare members. These plans are offered by private companies approved by Medicare and provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. They may also offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include prescription drug coverage (Part D). Medicare pays a fixed amount for your care every month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare. However, each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services.
• Medicare Supplement Plans: Medicare Supplement Insurance (Medigap) Plans, also sold by private companies, can help pay some of the costs not covered by Medicare, like copays, coinsurance, and deductibles. Some policies offer additional benefits to fill more of the gaps in Medicare. Medicare Supplement Insurance is a service plan without restrictive networks, such as those offered by Health Maintenance Organizations (HMO's). With a Medsup plan, you have the freedom to choose your doctors and you do not need a referral to see a specialist. There are no health questions to answer to apply, and pre-existing conditions are covered immediately if existing coverage of any type of health insurance existed within the last two months. These plans offer coverage anywhere within the United States.
• Prescription Drug Plans: Medicare prescription drug coverage is insurance that covers both brand-name and generic prescription drugs at participating pharmacies in your area. These plans provide protection for people who have very high drug costs or from unexpected prescription drug bills in the future. Our affordable Medicare Part D Prescription Drug Plans offer you coverage on medicines not covered under Medicare Part B.
• Guaranteed Issue Life Plans: Guaranteed life policies offer individuals who are either very highly rated or uninsurable and unable to obtain life insurance at a standard rate an opportunity to obtain permanent, non-participating whole life coverage on a guaranteed issue basis. Death benefits are only paid in the event of an accidental death in the first three years. If death is not accidental in the first three years, the benefit is your premium plus 5% compounded annually. There are no medical questions, exams, or tests required to enroll.