Insurance Services

Health Insurance

New Era provides a variety of Health Insurance options to help protect your financial resources, including our Defined Benefit Plans.  In today's market where health insurance is often unavailable or not affordable,  our health plans can help families with the ability to budget health care expenditures, by providing multiple fixed health insurance benefits they can choose according to their health care needs. These plans provide good basic hospital, medical and outpatient coverage with additional Wellness benefits and Doctor’s Office Visit benefits to promote preventive care. Since all the benefits are defined in the plan, it helps to allow the consumer to consciously choose providers and care of treatments.

How do I learn more about your plans?

It is important to understand what each plan covers so that it meets your individual needs. To learn more about which Health plan is right for you call (212) 810-9244 or email eric@newerahp.com

24 Hour Accident

When a covered accident occurs, the last thing you want on your mind is not to worry the charges accumulating while you are in the Emergency Room.

An accident can leave your family with a great financial burden. Protect yourself and your family with 24 Hour Accident insurance, with coverage that applies to traveling, commuting, workplace accidents, being at home, and during many other situations. Features include:

  • Worldwide Protection

  • Accident Protection up to $4,000 of medical expenses per Accident

  • Pays an additional benefit of $300 a day when hospitalized

  • Guaranteed renewable to age 80

  • Up to $100,000 of Accidental Death Benefit

  • Optional Accident Disability Income Benefit for Primary Insured.

 

What are the benefits of 24 Hour Accident?

 

New Era provides a variety of 24 Hour Accident options to help protect your financial resources.  An accident can wreak havoc on your savings if you're not prepared. Our 24 Hour Accident Expense Plan helps cover medical expenses and living costs when you get hurt unexpectedly. Benefits are also paid for Accidental Death, Ground or Air Ambulance, Daily Hospital Income and Dismemberment. An Optional Accident Disability Benefit Rider is available up to $2,000 per month.

 

How do I get the 24 Hour Accident Expense plan?

 

It is important to understand what each plan covers so that it meets your individual needs. To learn more about which 24 Hour Accident Expense plan is right for you, call (212) 810-9244 or email eric@newerahp.com

Critical Illness

Critical Illness Insurance is designed to ease the financial pressure by providing a lump sum cash benefit paid directly to you upon diagnosis of a covered illness to help you cope with the high cost of recovering from a critical illness crisis. The plan will provide up to $50,000 to help cover out-of-pocket medical expenses and the other costs associated with a covered critical illness.

Thanks to medical advances, more and more Americans are surviving critical illness crises such as cancer, strokes, heart attacks and kidney failure. We all realize that many individuals who have been diagnosed with what at one time were considered fatal illnesses are now overcoming the odds and surviving.

Unfortunately, it places a tremendous emotional strain on the family and many times accompanied by an overwhelming financial burden. Your financial security is most threatened when you are told by a physician that you have suffered a heart attack or stroke or that the tissue taken during a biopsy is, in fact malignant.

Critical Illness Insurance is designed to ease the financial pressure by providing a lump sum cash benefit paid directly to you upon the diagnosis of a covered illness

What are the benefits of Critical Illness?

New Era provides a variety of Critical Illness options to help protect your financial resources. To help offset the high expenses associated with a serious illness, our Critical Illness Insurance provides an immediate lump-sum cash benefit of up to $50,000 upon diagnosis of a covered illness. Benefits are paid for Internal Cancer, Heart Attack, Stroke, End Stage Renal Failure, Major Organ Transplant, Coronary Artery Bypass and Angioplasty. Our critical illness policy provides a unique coverage to allow benefits for 2 different kinds of certain critical illness (such as cancer and stroke) as long as they are separated by more than 90 days.

Dental Insurance

A unique “hybrid” dental plan that combines traditional dental coverage with PPO discounts. A new breed of dental plans that covers the services you want at a price you can afford. Special features include:

  • PPO (Preferred Provider Organization) network pricing at over 169,000 access points across the United States

  • You will receive pre-negotiated prices when using a network provider

  • No waiting periods on Diagnostic & Preventative services

  • Diagnostic & Preventative paid at 100% when using a PPO service provider

  • Freedom of choice. Unlike many PPO plans that will not pay anything if you go outside their network, this plan will pay the non-network provider at the same rate as if they were in network. You will only be responsible for any charges above the PPO fees paid.

How do I get Dental Insurance?

It is important to understand what each plan covers so that it meets your individual needs. To learn more about which dental plan is right for you call (212) 810-9244 or email eric@newerahp.com

GAP Insurance

Makes your existing Health Insurance more affordable. As health care costs continue to increase, many individuals and businesses are moving towards high-deductibles and increased co-insurance on major medical plans in an effort to reduce costs. While this approach reduces the cost of your health insurance, it puts you at greater financial risk. In fact, more than six in 10 adults who say they have problems paying their medical bills are covered by health insurance.

 

What are the benefits of GAP Insurance?

 

New Era's GAP plan helps bridge gaps in the coverage that exist in your current insurance plan by reducing or even eliminating the Out-of-Pocket expenses associated with hospital and doctor's bills. The plan pays a portion of the difference in what your medical plan would pay and what you or a covered family member would owe.

Benefits are limited to the deductibles, co-pays and co-insurance amounts that you or each of your covered family members are required to pay under your Primary Medical Insurance and include

  • In-patient hospital expenses

  • In-patient surgeries

  • Physician’s hospital charges

  • Guaranteed renewable to age 80

  • Plus 50% of covered Outpatient expenses which are considered eligible expenses under your Primary Medical Insurance policy.

 

How do I get GAP Insurance?

It is important to understand what each plan covers so that it meets your individual needs. To learn more about which GAP Insurance plan is right for you call (212) 810-9244 or email eric@newerahp.com

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