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1030 Jericho Tpke. Smithtown, NY 11787

Health Insurance

Long Island Insurance Company

Cafarelli Insurance Agency’s health insurance division is Executive Design Planning, LLC.  Our dedicated representative, Mary Lou Beska, has 30+ years of experience in the insurance industry, including 15 years as a human resources manager, managing all phases of employee benefits and implementing policies and procedures.  She is also a licensed insurance agent.  Mary Lou is responsible for account management and is our primary contact for the insurance carriers and individual and group clients (small and large).  You may contact her for plan quotes or to discuss your current plan's renewal.  Mary Lou also provides daily account administration to our group clients, which includes plan design, enrollments, terminations, COBRA administration and claims resolution.
In today's world and economy there are many people living without health insurance.  Health insurance is an important necessity that everyone should have.  The problem facing many people today is the sky rocketing cost of health care and its lack of affordability, which is the main reason preventing people from being able to find suitable health insurance.

We understand the plight of those seeking health insurance.  We will use our knowledge of the many options available for health insurance to aid in lowering your health insurance costs.  Whether you are self-employed or your employer does not offer health insurance coverage, you may find yourself shopping for an affordable health insurance policy.

Knowing the type of health coverage you will need and the different types of health insurance plans available are key features in the decision of obtaining health insurance.  Cafarelli Insurance Agency, will help you become knowledgeable of the different types of health insurance plans, what the health insurance carrier pays, and what are the deductibles all of which are the most important savings steps to finalizing your decision in choosing health insurance.

The different types of health care coverage are:

  • Medical Plans

    *Group PPO, EPO and HMO Health Plans (fully insured or self funded)
    *Individual Health Plans
    *High Deductible Health Plans/Health Savings Accounts
    *Indemnity Plans
    *Basic & Essential Health Plans   
    *Medigap Plans

  • Dental Plans

  • Vision Plans

  • Disability:

    *New York State DBL
    *Short-Term Disability
    *Long-Term Disability

    Please contact Mary Lou Beska of Executive Design Planning at 631-543-2205 to allow us to do what we are best at: "shopping" for the best health insurance suited for the needs of you and your family.  You may also visit our other website, .