MSSNY MEMBER BENEFITS
for Self Employed/Sole Proprietor & Groups 2-500

Superior benefit solutions are not merely compliant; they are cost-effective and strategically targeted. At Creative Wealth Planning (CWP), every solution we recommend has to pass the toughest test of all – the diligence of our advisors. Moreover, our recommendations are products of our knowledge and experience. They are flexible and reflect our excellent carrier relationships. Our health insurance brokers work closely with clients understanding goals, developing options and customizing plans that are true insurance solutions.

In addition to our strong carrier relationships, CWP has established relationships with Professional Employer Organizations (PEOs). As a cost-savings strategy, the PEOs bundle small groups together to enable small businesses to get lower, large-group rates. Diligence is ingrained in our company culture.  Creative Wealth Planning continually reviews the market, assessing how new policies and products affect our clients.  We offer strategic advice to optimize plans and programs as they become available or as our clients’ needs or businesses change.

Creative Wealth Planning offers both service and solution, bringing connection, clarity and confidence to your benefit plans.

MEDICAL INSURANCE

Insurance coverage for prescriptions, visits to the doctor or emergency room, hospital stays and/or other medical expenses.  Medical insurance policies differ in what they cover by the insurance company, networks, plan design such as HSA, HMO, EPO and PPO, preventative care, the amount of the deductible, out of pocket (OOP) limits and doctor co-payments, hospitalization, co-payments etc.

DENTAL INSURANCE

Dental insurance policies differ in what they cover, by the insurance carrier, the size of the deductible and/or co-payment, annual limits of coverage and the options for treatment.
Dental insurance generally covers preventative, basic, and major services to include: cleanings, fillings, x-rays, root canals, implants, caps, dentures, and additional dental expenses. 

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.

LIFE INSURANCE

Life insurance protects 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 maintain the insured’s survivors in the style to which they have become accustomed.

HOSPITAL CASH & SHORT-TERM/LONG-TERM DISABILITY INCOME REPLACEMENT INSURANCE

Disability insurance offers income protection to individuals who become disabled for a long period of time and can no longer work. The definition of disability usually includes the ability to perform your own occupation.

LONG-TERM CARE INSURANCE (LTC)

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 not all plans are available in every state.

WE OFFER THE FOLLOWING EMPLOYEE BENEFIT PRODUCTS:

Medical Insurance
Prescription Drug
Dental
Vision
Life / AD&D
Hospital Cash
Short Term Disability
Long Term Disability
Long Term Care
Key Man Insurance
Qualified Retirement Plans
Deferred Compensation
Executive Life / Disability
Voluntary Benefits
​Flexible Spending Accounts
Privacy and Security: At Creative Wealth Planning, our customers are our number one priority. We respect the personal information of our customers and work hard to keep it secure and private by consistently reviewing and monitoring our practices. An important component of our policies includes protecting all nonpublic personal information (NPI), collected through the application process or transactions with our customers. This includes data such as names, addresses, driving history and credit information. Our use of NPI is limited to supporting our customers' insurance product needs and to servicing policies and claims.