Protect what matters with our Personal Insurance Team.

Medicare is a federal health insurance program for people over 65 and for people under 65 with certain disabilities and people with End-Stage Renal Disease (ESRD) and ALS.

The four main parts of Medicare:

1. Medicare Part A (Hospital Insurance)- In-patient stays, skilled nursing some home health care & hospice. Most people do not pay a monthly Part A premium. 
2. Medicare Part B (Medical Insurance)- Certain doctor’s services, outpatient care, preventive services, and medical supplies. Most people pay a monthly Part B premium.
3. Part C is an alternative way to get your Medicare benefits.
4. Part D (Prescription Drug Coverage)- Helps to cover costs for prescriptions, some vaccines, and recommended shots. Medicare drug plans vary in cost.

There are 2 main ways to get your Medicare coverage in addition to Medicare Part A and Part B:

• Medicare Supplement Insurance/Medigap Plan
• Medicare Advantage (Part C)

Other ways to fill in the gaps of Part A and Part B are:

• Employer Insurance
• Retiree Insurance
• Federal Employee Health Benefits (FEHB)
• TRICARE
• Veterans Affairs (VA) Benefits

The way your Medicare coverage works for you, will depend on the type of insurance that you currently have and what your health needs are.

It is important to speak with a Medicare Specialist to guide you through the process. Find out what plan best meets your needs, learn about important deadlines and how to avoid penalties for late enrollment.

 *We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Are you approaching age 65, have ESRD, or collecting social security disability (SSD)?  Then now is the time to sign up for a Medicare 101 Educational Seminar or a one-on-one consultation through Simco at no cost.

Learn More

To register a vehicle in New York State you must obtain New York State automobile liability insurance coverage. The DMV can suspend your vehicle registration and your drivers license if insurance is not maintained. There can be one or two names on a registration. If there are 2 names on the registration, both names must appear on the Insurance Card.

At Simco, we shop around to help you save money on your auto insurance and make sure you have the correct coverage. Some coverage options to think about include roadside coverage, and rental car reimbursement.

Many companies offer huge discounts when you bundle your homeowners with your auto, and we explore those options for you. Other discounts include multiple cars, no accidents in three years, drivers over 50 years of age, driver safety training courses, anti-theft devices and good student grades.

Submit an auto quote request with SimcoHR today!

Homeowners Insurance can cover your primary home, seasonal property, or property you rent to others (landlord). This type of insurance is a comprehensive policy. That means it covers both damage to property and liability (legal responsibility) for any injuries and property damage policyholders cause to other people. Standard homeowners’ policies do not cover flooding, earthquakes, or poor maintenance.

There are also optional coverages that we talk about with our clients. Many of these optional coverages will protect you from unforeseen costs. Some of these include water and sewer backup coverage, underground utility coverage, and equipment breakdown coverage.

To save the most on your homeowners’ policy, we highly recommend bundling it with your auto policy!

New York State of Health (NYSOH) is the official Health Plan Marketplace, for New York State. You can shop, compare, and enroll in a health plan and receive financial assistance based on your income and household size. You may qualify for an Advance Premium Tax Credit; you may also qualify for public programs such as Medicaid or Child Health Plus.

You can enroll on your own, on the NYSOH website, call the NYSOH directly to enroll, or receive assistance from an Assistor or a Broker.

The New York State of Health is funded by the federal government. You must meet the following criteria to shop in the New York State of Health Marketplace:

1. Live in New York
2. Must be a US citizen, national, or lawfully present immigrant.
3. Cannot be currently incarcerated.
4. Cannot be applying for coverage of nursing home care, care in a Residential Treatment Facility, Developmental Center or Intermediate Care Facility for the Developmentally Disabled.

There are 10 key health services that must be covered by every health plan. All health plans sold at New York State of Health must include them. Most plans sold elsewhere for individuals and small businesses must also include them. The 10 "essential" services are:

1. Care at a doctor's office
2. Emergency services
3. Hospital care
4. Pregnant mother and baby care
5. Mental health and addiction treatment
6. Prescription drugs
7. Rehab and skill development services and devices
8. Lab services
9. Prevention & wellness services and long-lasting disease management
10. Dental and vision care for children

Most people consider a pet a part of the family.  Your family can be stuck paying high veterinary costs when the unexpected happen to your pet.  Injuries or Illness can happen anytime with them, and along with wellness exams, the amount of money to keep them healthy can really add up.

Here at SimcoHR, we can offer various packages that can fit your family needs for your pet.  For less than $2 a day you can be reimbursed for expensive vet bills.  Choose your reimbursement percentage and annual deductible.  Each pet in your family has their own policy.

 Insurance Options:

• Reimbursement of 70%, 80% or 90%

• Deductible of $250, $500 or $1,000

• Annual limit of $5,000, $10,000 or $15,000

Policy options:

Accident & Illness

• Accidental injuries (including to permanent teeth)

• Illnesses (including cancer, influenza and kennel cough)

• Alternative medicine

• Behavioral therapy

• Hereditary and congenital conditions

• Ingestion of a foreign object (up to two treatments per policy year)

• Euthanasia or anesthesia

• Cremation and burial expenses

• Accidental death

Accidents, Illness & Wellness

Everything covered under the Accident & Illness policy, plus fixed payment amounts for the following (not subject to deductible and annual maximum):

Wellness benefit 100% of covered expenses incurred up to the following:

Routine dental cleaning $100

Routine physical examination $80

Fecal examination $30 per exam*

Intestinal deworming $30

Heartworm test $30 per test*

*twice a year benefit, customers are eligible for up to $60 a year

Preventive care benefit 100% of covered expenses incurred up to the following:

Flea and tick prevention $100

Heartworm prevention $50

Prescribed vitamin supplements $50

Boosters and vaccinations $60

Reach out to learn more or to get a quote!

When people look into life insurance, they typically have protecting their family in mind, but did you know there’s options and a variety of plans to choose from? There’s Term Life, Whole Life, Universal Life and Variable Universal Life Insurances.

How much does life insurance cost?

That depends on your unique situation, and things like how much debt you have, income, medical conditions, occupation, and more.

Let our professional agents help guide you with showing you what the options are and help you determine what’s best for you.

Are you ready to elevate your event or sports venture with unbeatable insurance protection? Look no further! We work with American Specialty Express to offer specialized coverage that caters to a wide range of activities, ensuring you can focus on what you do best. 

Check out our extensive offerings below:

Special Events

• Concerts
• Concessionaires, Exhibitors & Vendors
• Short Term Special Events
• Walk/Run Events

Sports

• Camps & Clinics
• Events & Tournaments
• Youth Baseball
• Teams & Leagues

Health & Fitness

• Dance Studios
• Fitness Studios
• Fitness & Dance Instructors
• Health Clubs

Facilities

• Baseball & Softball Training
• Escape Rooms
• Martial Arts Facilities

Getting that boat or jet ski out on the lake, is the most exciting part of summers in New York State. Making sure you are covered for damages is important whether it was your fault or not.

Depending on your needs, this type of insurance can cover physical damage, medical payments, liability, and uninsured watercraft coverage. Other optional coverages available include trailer, accessories, and towing.

Some Examples of what we cover:

• Sport Boats
• Pontoon Boats
• Sailboats
• Fishing/Bass boats
• Jet Skis
• Yachts/Cruiser

For automobile enthusiasts, we can provide coverage for your classic car. The advantage of classic car insurance is we can get you guaranteed value coverage. The policy guarantees to pay the full insured amount, minus a deductible for a covered loss. No guessing on what the insurance company will value your vehicle for. Other advantages of classic car coverage are lower premiums and repair shop of your choice.

Here at Simco, we work with the most trusted companies (Hagerty and Chubb) in classic car coverage in the United States.

Motorcycle Insurance is like auto insurance in that it can provide protection for injuries to you, your bike, or damages to others. When you are storing your motorcycle, we recommend maintaining comprehensive coverage to protect your bike from things like a fire, storm, vandalism, or theft.

Optional motorcycle coverages to consider are roadside assistance, carried contents, and medical payments coverage.

With multiple carriers, we can get you the best price and coverage for your motorcycle.

Examples of Motorcycles we cover:

• Street
• Cruiser/Touring
• Sport/High performance
• Motocross
• Scooters
• Trikes
• ATV/Off-road
• Custom

Recreational Vehicles, known as RVs can vary from motorhomes and fifth wheels, to pop-up campers. If you tow it, this type of coverage is probably optional.  However, if you took out a loan for it, full coverage is required by the lender.

Optional coverages to think about:

• Vacation Liability (This covers while you are using your RV as a temporary residence such as a campground).
• Roadside Assistance (Breakdowns, Battery failure, flat tire, running out of gas, lockouts etc.)

Everyone should be planning for long-term care. We can not predict the future, so it is important to prepare now for the unexpected. A long-term care policy can help you cover costs for services that are not available in health insurance policies. Whether your abilities diminish with age or you have a health crisis that leaves you with limited abilities, a long-term care policy can help cover things like personal care in the home, help around the home such as mowing, shopping, and cleaning. It can also help pay for an assisted living facility or nursing home coverage.

Reaching out to one of our licensed insurance agents who will shop several companies for your coverage and provide you quotes can save you thousands of dollars.

Whether it is an apartment, condominium, or other property you are renting, a typical renter’s policy will cover your private property with limits, liability coverage, and living costs after a covered loss. For example, if you are renting a home and it is damaged, a renter’s policy may cover additional living expenses and your belongings inside.

Renter policies are very inexpensive and can be adjusted to fit your needs.

Contact us to discuss your options!

Have you recently lost your health insurance policy? Perhaps you no longer get insurance through your employer, or your spouse's plan. Are you a sole proprietor who needs coverage? 

We can help you find the right plan for you and your family. We can help you navigate health insurance, dental and vision and more.

For those not seeking assistance with a tax credit like you would with the New York State of Health Marketplace, we can help you apply directly for health insurance to the insurance carrier.

An umbrella policy can give you extra liability coverage when your auto and home insurance is simply not enough. This type of extra liability coverage can cover things like legal defense costs.

Umbrella coverage can be covered anywhere in the world.  A typical umbrella policy can give you a million dollars in coverage for as little as $300 a year.

Snowmobile Insurance typically helps cover you and your sled in several ways. At the very minimum, liability coverage is required for your sled in New York State. Physical damage coverage (Collision) may also be required by your lender.

Snowmobile Insurance is very inexpensive, and can protect you from things such as theft, vandalism, or damage to others whether you are deemed at fault or not.

We have a portfolio of the nation’s leading companies in Snowmobile Insurance to get you a very competitive rate.

Accident Insurance is a supplemental insurance that helps pay for medical and other expenses you may encounter like after an injury, such as a broken bone, burns, or paralysis.

Accident Insurance pays you directly instead of the provider. However, it’s recommended that Accident Insurance is used in addition to your major medical plan. Accident Insurance kicks in coverage you may need beyond what your medical plan covers--for things like your co-payments, deductibles, housing payments, utility bills and more.

Understand what the various options are by contacting a Simco agent today.

For Child Health Plus:  

Call New York State of Health at 1-855-355-5777 or visit https://nystateofhealth.ny.gov/

It is helpful to put in a zip code to find a navigator in your area. The least busy times are first thing in the morning at 8 a.m. and between 6-8 p.m.  They are open M-F 8 a.m.-8 p.m. and on Saturdays from 8 a.m.-1 p.m. 

For Medicaid Assistance:

Call Ontario County Social Services at 585-396-4060 or 1-877-814-6907 or visit https://ontariocountyny.gov/118/Social-Services