Group & Individual Health Insurance
We offer group and individual health insurance, in addition to Medicare, and are contracted with all the major carriers. Here to help at no cost to you. Let us save your hours of research and help you find the right coverage.
Make Sense of Medicare
If you are turning 65 or recently retired our agents can guide you through the Medicare process, explaining the different parts of Medicare (A, B, C & D). Walk you through the timeliness of when and how to enroll.. We will explain the difference between Medicare
Advantage plans and Medigap plans. We will also explain the prescription coverage.
Our agents are appointed with multiple carriers both local and national carriers, allowing us to bring all your options to you in one convenient meeting. Our agents will ensure your providers participate and that your medications are covered by the plan you choose. Our dedicated team will be there for throughout the year to answer any questions or concerns that may arise.
Call to schedule your no cost, no obligation consultation with a licensed sales agent at (716)-276-0880.
We can meet in our office, your home or a convenient community location.
Call (716) 276-0880 to reserve your space or to schedule a one on one appointment with a licensed sales agent. For persons with special needs accommodations, please call 716-276-0880. TTY Users: 1-800-421-1220 (711)
Not connected with or endorsed by the U.S. government or the federal Medicare program.
By completing this form, I agree that a licensed sales agent associated with Sheridan Benefits, may email and/or call at either my land-line or cell phone to answer my questions or provide health care marketing or information.
Frequently Asked Questions
1. Do I have to enroll in Medicare, I’m still working?
If you are actively working and receiving benefits from your employer and there are more then 20 employees you do not need to enroll in part B until you retire.
2. How much will Medicare cost me?
Since 2007, a beneficiary’s Part B monthly premium is based on his or her income. These income-related monthly adjustment amounts affect roughly 7 percent of people with Medicare Part B. The 2021 Part B total premiums for high-income beneficiaries are shown below.
Under part A Medicare covers inpatient care, home health care & hospice care. Medicare part B covers outpatient services, doctors, labs, x-rays, etc.
4. Can you explain the coverage gap?
There are different phased in the prescription program. Phase one, is where you pay the plan deductible is there is one, Phase two, you pay the plan copays until your total drug cost reached the initial coverage limit. Phase three- the coverage gap is where is you pay 25% of all medication until you reach the out of pocket maximum. Phase four is catastrophic coverage where you will pay no more than 5% for the copay.
5. Why do I have to pay for part B if I’m enrolling in another plan?
By paying your part b premium the health insurance you choice will get a monthly subsidy to help off set the cost of your plans premiums and copays.
If you are unsure if a Medicare program is right for your company, or you have questions about whether you personally qualify for these benefits, please give us a call at (716) 276-0880 to reach our office. Our experienced consultants will help you navigate the ins and outs of applying for Medicare. We are here for you every step of the process.