Insurance Services We have been helping small businesses and individuals with their insurance needs for over 30 years and represent most major carriers in New Jersey. Medicare Supplement Q. Why do you need Medicare supplement insurance?A. Because Medicare was not designed to cover all medical costs.Costs not covered by Medicare include the Part A deductible, hospital and medical care co-insurance, and other costs that you may not be able to pay out of pocket. In addition to covering your deductible, hospital and medical care co-insurance costs Medicare Supplement Plans allow you to keep your own doctors and visit the clinics or hospitals of your choice - even while on vacation or when you travel. Life Insurance A comprehensive financial plan should include life insurance. There are different types of life insurance plans required at different stages in your life. Talk to us about what your needs might be and let us help you make the best decision for your circumstances. Group Health Insurance If ever a small business needed information about making decisions regarding healthcare coverage for his employees - now is the time. Whether it's just two employees or twenty let us help you through the maze of healthcare reform for 2015. Individual Health Insurance If you need individual health insurance it's hard to know where to start. Which carriers offer individual plans? What are the differences between group plans and individual plans? We can help you find and choose the best plan available for you.