Business Insurance Planning

Richard C. Cashman began his insurance, business and estate planning career in 1976. In 1994 he was named United States Life Insurance Company's "National Salesman of the Year." In his 35 year career Mr. Cashman has been a field manager with Equitable Life, recipient of Equitable's "National Leader Corps Award," member of the insurance industry's "Million Dollar Round Table," recipeint of United States Life Insurance Company's "National Achievement Award," NASD Office of Supervisory Jurisdiction and a Chartered Financial Advisor. His practice specializes in Charitable Gifting, Estate and Buinsess Continuity Strategies, Long Term Care Solutions and Business Benefit planning.
	Today the group health insurance market is changing quickly and dramatically. Empire Blue Cross\Blue Shield is discontinuing many of of it's small group plans. Some companies have reduced their "out of network" provider reimbursement to a percentage of medicare payment. It's not uncommon for a plan to reimburse an out of network physican 140% of the medicare rate where the patient may become fully responsibile to pay the balance. Many insurance companies are eliminating their Health Savings Accounts (HSA). In the larger group market of between 51 and 99 covered employees, we prefer United Healthcare. In the "HEALTH" category you can click a demo link to view the advantages of United Healthcare and see the variety of different plans they make available to employers.
This web site was created to provide helpful information for individuals and professionals. Please email if you have a question, or if would like to schedule an appointment.
Subject: Your email: Message: Please type the text that appears in the picture below:	Tel: 877.203.7447 Fax: 631.406.6886 Helping You Make The Right Decision