Insurance Portfolio

The advisors at Schulman Insurance Brokerage are knowledgeable in many insurance products. With long-standing carrier relationships and extensive knowledge of the insurance marketplace, Schulman advisors will give you clear options and sound advice.

Health Insurance – Insurance coverage for prescriptions, visits to the doctor/dentist or emergency room, hospital stays and/or other medical or dental expenses. Health and dental insurance policies differ in what they cover, the size of the deductible and/or co-payment, limits of coverage and the options for treatment.

Dental Insurance – Insurance coverage for prescriptions, visits to the doctor/dentist or emergency room, hospital stays and/or other medical or dental expenses. Health and dental insurance policies differ in what they cover, the size of the deductible and/or co-payment, limits of coverage and the options for treatment.

Life Insurance – Insurance coverage against the loss of income that would result if the insured passed away. The amount and type of life insurance purchased will depend on financial situation and the standard of living needed to financially maintain the insured’s survivors.

Vision Insurance – Insurance coverage for routine eye health expenses such as eye exams, contact lens fittings, contact lenses and/or eyeglass lenses and frames. Plans vary greatly in coverage and expense and should be evaluated carefully based upon the anticipated need for eye care services.

Disability Insurance – Insurance that offers income protection to individuals who become disabled for a long period of time and can no longer work.

Long Term Care (LTC) Insurance – Insurance coverage for nursing home care, home health care, personal or adult day care for individuals. There are many options in LTC insurance so a careful evaluation of your needs is vital.

Medicare Supplement Insurance – Insurance coverage to supplement basic Medicare coverage. There are several MediGap plans, all provided by private insurance companies, but all plans are not available in every state.

Medicare Advantage Plan – Insurance that provides Medicare Part A and Part B benefits through a private company that contracts with Medicare.

Flexible Spending Arrangement (FSA) – An agreement between employee and employer that allows a fixed amount of an employee’s pre-tax wages to be set aside for qualified expenses which may include child care or uncovered medical expenses. All unused dollars in the account at year-end are lost if not spent.

Health Savings Account (HSA) – A type of savings account created for individuals who are covered under high-deductible health plans (HDHPs) to save for medical expenses that are not covered under the plan.

Transit & Parking Benefit – A fringe benefit offered by some employers to their employees to cover expenses related to transit and parking.

Dependent Care Insurance – A benefit offered by some employers to their employees to cover the care of children or other dependents.