Insurance Plans



R. Kashmiry and Associates, Inc. has got you covered!

We are a complete employee benefit design company. R. Kashmiry and Associates, Inc. offers a wide array of insurance plans customized for your needs. Some of the services we provide are:

Small/Large Employer Group Health Insurance:

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.

Self-Employed/ Individual Health Insurance:

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.

Short-Term Health Insurance:

These plans provide you with temporary health insurance coverage. R. Kashmiry and Associates, Inc. offers ideal solutions:

  • if you are between jobs;
  • in the midst of the waiting period for other health insurance to start;
  • your COBRA coverage has ended;
  • or you are a new college graduate.

Short-term plans provide coverage from 30 days up to twelve months. If you think you will need coverage for a longer period, R. Kashmiry and Associates, Inc. suggests you look at a standard, longer-term health insurance option, like our individual and family health insurance plans.

Medicare Eligible Supplements:

Medicare Supplements compliment the federal government’s Medicare health care coverage for those eligible. These are the subjects of entire books, so let R. Kashmiry and Associates, Inc. help you cut to the chase. Medicare Supplement Insurance, also called “Med-Supp” or “Medi-Gap”, will help pay medical costs not covered by Medicare, such as deductibles and co-pays. Federal laws have standardized all Medicare Supplements to only 10 plans – labeled “A” through “N”. Our knowledgeable staff at R. Kashmiry and Associates, Inc. will be happy to sit down with you and go through all of the options.