R Kashmiry & Associates

This is an important choice for the self-employed, early retirees, and students, as well as people whose employers do not offer health benefits. State laws covering individual health insurance are different from group health insurance and the laws that govern them. R. Kashmiry and Associates, Inc. can walk you through what can seem like a maze.

Today's employers - small or large - are in a constant balancing act with health insurance and R. Kashmiry and Associates, Inc. is right there with you! On one end - your company wants to attract and retain high quality employees who will contribute to the growth of your company.

At the other end - you are faced with the dilemma of maintaining a high level of group health insurance benefits in the face of the escalating insurance premiums that go with such a group health plan.Let the customized guidance of R. Kashmiry and Associates, Inc. help you with that balancing act.

Medicare Advantage, also known as the Medicare Part C program, officially launched in 2003, according the Centers for Medicare & Medicaid Services (CMS). In 2017, about one-third of all Medicare beneficiaries are enrolled in Medicare Advantage plans according to CMS.

If you have Medicare coverage or are approaching Medicare eligibility, you may have questions about which program is right for you, we will help you select that best plan that will fit all your needs.Medicare Supplements compliment the federal government's Medicare health care coverage for those eligible.

A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured policyholder dies, in exchange for the premiums paid by the policyholder during their lifetime. Life insurance can be a powerful tool for protecting your financial confidence - and especially the financial confidence of the people who depend on you.