Health Insurance - Moscato & Associates, Inc.

Welcome to Moscato & Associates, Inc.

Since 1994, Moscato & Associates has been helping Central New York and Southern Tier small businesses, families, and retirees from Ithaca to Binghamton and beyond, to make smart choices about insurance.

We can help you, too.

Whether it’s determining how to best provide a small business or sole proprietorship with the most cost-effective employee health insurance, helping a business owner or HR manager navigate the complexities of managing employee benefit costs, or assisting a retiree in navigating the complexities of Medicare, we have the experience and expertise to help you make informed decisions that best fit your particular needs.

It's what we do!

About Us

What we do, and how we do it, is what makes us your best choice!

Since 1994, we've been helping small businesses get "Big Business" benefits. We specialize in group insurance products (like medical, dental, vision, life and disability coverage), individual medical insurance , and helping seniors navigate the complexities of Medicare.

We can access many different insurance products so you can get the right one for you.

Specialization Counts!

Our agency only offers services in the life, medical, and employee benefit market. We are not a "generalist" we specialize in these very complicated products and services, this is not one of several things we try to do - Employee benefits, life and health insurance are all we do, and we work for you, not the insurance company. We serve several hundred small businesses, individuals, and Medicare beneficiaries with their specific insurance needs. We serve clients in the greater Ithaca-Cortland and Southern Tier areas of New York and Pennsylvania.

Products and Services

* Group Medical Insurance

* Group Dental, and Vision Insurance

* Group Life and Disability Insurance

* Medicare Advantage, Medicare Supplement, and Part D Plans

* Individual Medical Insurance, both through the NY State of Health and direct to carriers.

* Individual Life and Disability Insurance

About our President

Edward C. Moscato, LUTCF

Ed incorporated Moscato & Associates Inc. in 2008. He has been in the insurance business for 23 years and specializes in employee benefit programs for small companies and health insurance for Medicare beneficiaries. Ed has received the designation of Life Underwriting Training Council Fellow (LUTCF). Ed earned his associate's degree in animal science from the State University of New York at Cobleskill. He is a past board president of the Cancer Resource Center of the Finger Lakes, a past committee chair for Boy Scout Troop 95 in Ledyard, New York, and a past member of the King Ferry Volunteer Fire Department. A resident of Genoa, Ed enjoys spending his leisure time golfing, hiking, backpacking, and reading.

Our Products and Services

Group Medical

By far the most common benefit offered to employees is health insurance coverage. A well-designed plan can help them offset the expenses associated with a hospital stay, surgery, expensive testing, and even routine medical care.
The costs associated with providing health insurance have risen dramatically in the past several years, and that makes the service of an independent agent even more valuable to you to manage the cost to your business.
We will take the time to meet with you and review all of the options available to you and your employees. As an independent agent, we offer plans from a number of major insurers and will shop with all of them every year at renewal to get the best rates for you.
We work with clients in the greater Central NY area Southern Tier of New York and Pennsylvania.

Group Dental & Vision

Most employees will use a dental plan far more often than a health insurance policy. Why? Because employees that have a good dental plan will see their dentist twice per year for routine cleanings and exams, even though they may not go to a doctor for regular medical treatment. And for employees with children, the value of dental coverage is even greater.
Dental insurance is one of the more valued benefits that are offered by an employer. We have options from a variety of insurers that are competitively priced and offer excellent coverage.
Vision coverage is another employee benefit that can differentiate your company from your competitors. Many small companies are discovering the value of offering a vision plan for their workforce.

Group Life & Disability

According to the Life Insurance Marketing and Research Association, 35 million American households have no private life insurance. For many of them, their only source of life insurance is what they get through their employer plans.
Group life & disability insurance is very inexpensive, and can be the difference between a family being plunged into poverty at the loss of a breadwinner’s income, and having a chance to get started again. Without a doubt, group life & disability insurance is the least expensive employee benefit available.
One of the primary reasons that top quality employees cite for leaving small companies is for “better benefits,” and one of the most common benefits they mention is group life & disability insurance. The cost of offering a solid program that can protect your valued employees, and increase your employee retention rate, is literally pennies per day.

Individual Medical Insurance

The Affordable Care Act has opened up a new opportunity for New Yorkers and residents around the country to purchase individual health insurance plans. For years, it has been incredibly difficult for individuals to purchase affordable health insurance plans in New York.
Now, with the Marketplace (www.nystateofhealth.ny.gov) and a variety of plans available direct from insurance companies, individuals can purchase plans themselves if they don’t have access to a plan from their employer.
The Marketplace offers eligible subscribers access to Advance Premium Tax Credits that can be used to lower monthly premiums, if your income for your household size is less than 400% of the Federal Poverty Level.

Medicare Options

For folks who turn 65, or become eligible for Medicare due to disability, the specifics of how Medicare works, the associated plan choices, and the stress over who to turn to for advice can be overwhelming.
We have over 20 years of experience helping people understand Medicare, and helping them choose a plan that fits their specific needs. As an independent brokerage, we represent many companies and products which help us help you to make the best decision FOR YOU.
One unique part of our services, is that we reach out to 100% of our Medicare clientele annually to review their coverage, take a look at what may be changing in the coming year, and adviseour clients on a course of action.

Value Added Services

We want to be the first and last call our clients make when dealing with their employee benefit programs. To that end, we offer a complimentary subscription to Zywave's unique product, called MYwave Connect.
This program has an incredible number of resources available to assist with HR functions, compliance, and the ever changing regulatory environment of employee benefits. A customizable newsletter is sent with information pertinent to your business on a schedule you tailor to your needs.