Sadler Hayes Associates, Inc.

10/30/2026

Open enrollment season: a question worth asking is what your health plan doesn't cover. For many individuals and families, routine dental, vision and hearing sit outside it.

Careington savings plans fill that gap with discounts at participating providers, no waiting periods and no usage limits, starting at $8.95/month. They are not insurance and don't replace it.

Visit - https://brokers.careington.com/Index.aspx?A=43494333363532 or Call me at (845) 639-0492 and I'll walk you through them.

Sadler Hayes

Not insurance. Discount plan. Plus a one-time $20 nonrefundable processing fee. Not available in VT or WA.

10/27/2026

Looking for a cost-controlled way to improve your employee benefits?

Careington Direct health care savings programs give employees access to negotiated savings on:

✔ Dental
✔ Vision
✔ Telemedicine
✔ Prescriptions
✔ Hearing care

Plans start at $8.95 per month, with a minimum group enrollment of just 5. There are no deductibles and no claims forms, and payroll deduction is available.

It works well for small businesses, growing companies, nonprofits, and employers with part-time or seasonal staff. It also pairs well with high-deductible health plans.

These are savings programs, not insurance.

I’d be glad to walk you through it. Learn more at www.sadlerhayes.com or call me at 845-639-0492.

Sadler Hayes
Sadler Hayes Associates, Inc.

10/22/2026

Open Enrollment is almost here, and the Medicare Annual Enrollment Period is already underway (October 15 – December 7).

While you’re sorting out your health plan, don’t forget the gaps. Most health plans, and Original Medicare, don’t cover routine dental, vision or hearing.

Careington Savings Plans can help. Show your membership card to a participating provider and pay a discounted rate at the time of service. No waiting periods, no limits on use.

Dental savings plans from $8.95/month
Dental & Vision plans from $9.95/month
Plans with telemedicine, prescription savings, hearing care and more

This is not insurance. It’s a savings plan that works alongside your coverage.

I’m happy to help you compare plans for you or your family. Call me at 845-639-0492 or take a look here:
https://brokers.careington.com/Index.aspx?A=43494333363532



Plus a one-time, nonrefundable $20 processing fee. Not insurance and not a Medicare prescription drug plan. Discounts vary by provider and service. Not available in VT or WA.

10/22/2026

https://sanduskyregister.com/news/1540282/what-to-know-about-long-term-care-insurance/

Families may have some common questions about long-term care insurance, including whether or not a family member needs it, what it covers and other details.

10/11/2026

https://www.nytimes.com/2026/10/09/business/medicare-private-health-care-costs.html?smid=nytcore-android-share

As enrollment for Medicare Advantage begins this month, older Americans are confronting fewer options because insurers are discontinuing coverage in many areas.

08/27/2026

One site. Seven ways to get covered. 🛡️

We just launched a self-service enrollment hub where you can compare and sign up for Term Life, Dental, Vision, Travel, and Pet Insurance — all in one place, on your own schedule.

No appointment needed. No sales pressure. Just clear plans and straightforward pricing.

👉 www.sadlerhayesdirectinsurance.com

Questions first? Call us at 845-639-0492.

I help prospects & clients in NY, NJ and CT navigate life & health decisions to their quality of life

07/03/2026

07/01/2026

After more than 50 years of helping individuals, families, and seniors find the right coverage, I've learned something simple: people want good options, clear information, and the freedom to act when it's convenient for them — whether that's Tuesday at noon or Sunday at 10 PM.

That's why I built Sadler Hayes Direct - www.sadlerhayesdirect.com — a new website where you can quote and enroll in the plans I trust, completely online. No appointments. No paperwork. No waiting for a callback.

What you'll find there:
✓ Term Life Insurance — instant quotes, apply in minutes
✓ Spirit Dental Insurance — no waiting periods, guaranteed acceptance
✓ Delta Dental — individual & family plans for New Yorkers
✓ VSP Vision Plans — enroll online in about 8 minutes
✓ Careington Savings Plans — dental & vision savings from $8.95/mo
✓ Travel Insurance — compare top travel insurers in one place
✓ Pin Paws Pet Insurance — flexible coverage, any licensed vet

Check it out at - www.sadlerhayesdirect.com

Sadler Hayes Direct offers expert web development and optimization services with a clear cookie policy for enhanced browsing experience.

06/27/2026

Alternative plans for Individuals & Families can be reviewed at www.sadlerhayesassociates.com

https://apnews.com/article/affordable-care-act-obamacare-health-subsidies-premiums-3dc9a0cd249a7622ce31e8559bfff729

New federal figures show that about 3 million fewer people had Affordable Care Act health insurance plans in February compared with the same time last year.

06/14/2026

Critical Illness insurance fills the gap health insurance leaves behind
Sadler Hayes Associates, Inc.
845-639-0492

Your health insurance doesn't cover everything. Here's what most people don't find out until it's too late.

When a cancer diagnosis, heart attack, or stroke arrives, your health plan pays the hospital. But it doesn't pay:

❌ Your mortgage while you're out of work for three months
❌ The flights to the cancer center two states away
❌ Your child care costs while you're in treatment
❌ The income you lose during cardiac rehab
❌ The home modifications a stroke can require

These costs are real. They arrive every month. And they have nothing to do with your deductible or out-of-pocket maximum.

This is why Critical Illness, Cancer, and Heart Attack/Stroke insurance exists — not to replace your health coverage, but to fill the financial gap it was never designed to cover.

Have questions about how this type of coverage works? Drop them in the comments or send me a message.

📞 845-639-0492
📧 [email protected]
www.sadlerhayesassociates.com