J. Sadler Hayes, II
Independent Insurance Guidance -- For Individuals, Families, & Employers
I help prospects & clients in NY, NJ and CT navigate life & health decisions to their quality of life
Medicare
Medicare Plans I Offer for 2026
I offer Medicare Supplement Plans through AARP/United HealthCare, Globe Life Insurance Company of New York, Mutual of Omaha, as well as the following plan types:
- Medicare Advantage (Part C) -- Replaces your Part A and Part B coverage with a private plan that includes medical benefits.
- Prescription Drug (Part D) -- Covers prescription medications, can be paired with Original Medicare.
- Medicare Advantage with Prescription Drug -- Combines medical and prescription drug coverage in a single plan.
We (I) do not offer every plan available in your area. Any information we (I) provide is limited to those plans we (I) do offer in your area. Please contact Medicare.gov or
1-800-MEDICARE to get information on all of your options."
DENTAL & VISION COVERAGE
Spirit Dental Insurance
Full dental insurance with no waiting periods for basic and major work. Available for individuals, families and seniors. A good option if you want insurance -- not just discounts.
Delta Dental - Individual & Family Plans (NY)
Delta Dental is one of the most recognized names in dental coverage. Three straightforward plan options for New Yorkers: Basic PPO, Premium PPO, and DeltaCare USA.
VSP Individual Vision Plans
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VSP members typically save on annual eye care costs. No waiting periods, access to a nationwide network of providers, and flexible payment options. Enrollment takes about 8 minutes.
Careington Savings Plans
Not insurance -- but a practical, low-cost alternative for those who want dental, vision, as well as other options such as telemedicine - without insurance premiums. No waiting periods, no usage limits.
- Dental Savings -- starting at $8.95/mo
- Dental & Vision -- starting at $9.95/mo
- Dental, Vision & Telemedicine -- starting at $14.95/mo
- Telemedicine only -- starting at $24.95/mo
- Total Health Discount -- starting at $44.99/mo
HEALTH COVERAGE OPTIONS
Elevate Wellness Association (EWA)
EWA membership gives individuals, families, and small businesses access to a bundled set of benefits including major medical PPO plans (Cigna, PHCS, QualCare networks), Minimum Essential Coverage (MEC) plans, dental and vision coverage, critical illness insurance, group term life, accident coverage, and more. HSA compatible plans are available.
MPB Health -- Medical Cost Sharing
For those who want an alternative to traditional health insurance, medical cost sharing through MPB Health (Zion HealthShare) offers a community based approach to managing healthcare costs. These are not insurance plans, but they can be a budget-friendly option with flexibility in choosing providers. HSA plan options are also available to sole proprietors and small businesses.
FINAL EXPENSE LIFE INSURANCE
Final Expenses
This coverage might be right for you if:
This coverage might be right for you if:
Funeral costs, burial expenses, and outstanding medical bills can easily reach $10,000 to $25,000 or more -- arriving at the worst possible time for the people you leave behind. A Final Expense Life Insurance Policy addresses that problem directly, and permanently.
Simplified Issue Whole Life Insurance is permanent coverage that builds ca
Funeral costs, burial expenses, and outstanding medical bills can easily reach $10,000 to $25,000 or more -- arriving at the worst possible time for the people you leave behind. A Final Expense Life Insurance Policy addresses that problem directly, and permanently.
Simplified Issue Whole Life Insurance is permanent coverage that builds cash value with premiums that are locked in for life - and a death benefit that never decreases. No medical exam is required. Coverage is based on answers to a short health questionnaire, making it more accessible and easier for many to obtain.
Coverage is available for issue ages 20 to 85. Premiums are base on your age, gender, and tobacco status at the time of application.
This coverage might be right for you if:
This coverage might be right for you if:
This coverage might be right for you if:
- You want to take care of funeral and burial costs so your family doesn't have to
- You want to avoid the hassle of a medical exam
- You're on a fixed income and need a predictable premium that fits your budget
- You already have some life insurance in place but want a separate policy dedicated to end-of-life expenses place on a parent or grandparent
- You're a child or grandchild looking to put coverage in
See your premium rates instantly
This coverage might be right for you if:
See your premium rates instantly
Use this Simplified Issue Whole Life Rate Calculator to view coverage amounts and current premiums for your age and profile --no personal information required.
Note that Life Insurance products are subject to underwriting approval and policy terms. This is a solicitation for insurance
CREATE A CHARITABLE LEGACY WITH LIFE INSURANCE
Think LegacyLife
Through LegacyLife, I help donors and charitable families use life insurance to make significant, lasting gifts to the causes they care about most.
For example, a Single-Premium Whole Life Policy -- structured as a charitable gift -- can turn a one time contribution (the premium) into a legacy gift of $10,000, $25,000 or more. No ongoing premiums. Just a straightforward, powerful giving tool.
I work with individual donors, development officers at non-profits and community foundations, and families who want their giving to outlast them. If you're affiliated with a school or university, a community foundation, hospital, charitable organization or a house of worship, this is worth a conversation.
I practice what I advise - My wife and I have established life insurance policies payable to our named fund in memory of our son, Keith - The Leith B. Hayes Foundation - at the Community Foundation of Orange, Sullivan & Rockland.
Learn more:
ADDITIONAL PLANS TO KNOW ABOUT
Travel Insurance
For two decades, Travel Insurance Center has helped travelers find the right coverage at the right price. Telephone - 1-866-979-6753 - Get a quote through my affiliate link below.
Pet Insurance - Pin Paws
Flexible pet coverage through Pin Paws, with customizable plans and access to any licensed vet facility.
FreeWill.com
FreeWill.com
Everyone should have a will ( about 70% do not) - regardless of wealth. FreeWill makes it straightforward to create one - at no cost.
Contact me
J. Sadler Hayes, II
Please send me a message if you have any questions or would like more information.
Feel free to fax any documents to 845-210-9134
Sadler Hayes Associates, Inc.
64 Rolling Ridge Road, New City, New York 10956, United States
845-639-0492 sadlerhayes@gmail.com www.sadlerhayesassociates.com
