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I am a Sr. Account Executive in the New York City area, and I’ve worked for Combined Insurance for the past 9 years. I offer 20 years of insurance industry experience to my clients, and I am dedicated to building strong relationships with them.  My clients benefit from my expertise: I am a two-time annual award winner and I serve on a Field Advisory Council to help communicate my clients’ needs to corporate while learning best practices from top agents.  I am committed to following our founder’s advice to “always do the right thing because it’s the right thing to do.

Give us a call: 718-355-0129

Email : hortense.manbauman@combined.com

Hortense Manbauman

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Supporting Families. Supporting Businesses.

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Individuals & Families

The annual average health insurance deductible is $4,364 for a single person or $8,439 for family coverage.

I’ll help you find supplemental benefits that pay cash after an unexpected covered accident or sickness — so that you get the right financial support when you need it most. Because I believe that when you need to make a recovery, money should be the last thing on your mind.

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Small Businesses

Many small business owners ask about affordability. The good news is, these benefits won’t cost your company a cent. In fact, they can help boost your bottom line by attracting great talent — 62% of employees under 50 wouldn’t consider joining without them!

I’ll help you set up your benefits and payroll deduction to get you set up. So there’s very little extra work for you!


More To Explore

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Did you Know?

80% of injuries suffered by workers occurred off the job.

 

NSC, Injury Facts
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What Is Supplemental Insurance?

It can help to cover some of the costs your major medical coverage won’t — like lost income or your everyday household costs. Watch the video to find out more.

OUR PRODUCTS
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Combined Connections

Our Combined Connections loyalty program gives you access to exclusive discounts on everyday products and services. Sign up now and save on dining out, gyms, shopping and much more.

FIND OUT MORE

 

1. debt.org/medical/hospital-surgery-costs/

 

2. benefitspro.com/2017/07/07/voluntary-benefits-3-key-insights-on-purchasing-be/