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Why We Are Different
Welcome to the Family
- Independent Insurance Agency Knowledge of and access to a wide coverage across carriers and more.
- Customer Service Liaisons Handle all the customer service claims. Touched and handled by your team. If there is a problem we solve.
- Our Customers Are Our Family Too It’s about you. Not the insurance. You need peace of mind and the right coverage for you and your family.
The Family
Meet Your Goon Squad
OUR EXTENDED FAMILY
The Eye Witness
Testimonials
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What To Know
An HMO is a type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won’t cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage.
A PPO is a type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan’s network. You can use doctors, hospitals, and providers outside of the network for an additional cost.
In-network providers are those medical professionals who have an agreement with your insurance company to provide services at a discounted rate. Out-of-network providers are not contracted with your health insurance company and can typically charge higher rates, which could result in higher out-of-pocket costs for you.
A deductible is the amount you pay for health care services each year before your health insurance begins to pay. For instance, if your deductible is $1,500, your plan won’t pay anything until you’ve met your $1,500 deductible for covered health care services.
A copay is a fixed amount you pay for a covered health care service, usually when you receive the service. This can vary by the type of covered health care service.
Coinsurance is your share of the costs of a covered health care service calculated as a percent (for example, 20%) of the allowed amount for the service. You pay coinsurance plus any deductibles you owe.
The out-of-pocket maximum is the most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits.
The premium is the amount you pay to your insurance company every month (or quarter, semi-annually, or annually, depending on your arrangement) to maintain your health insurance coverage.
Prescription drug coverages are a component of your health insurance plan that helps pay for prescription drugs. Coverage varies by plan, with some plans covering a wider range of medications or offering better cost-sharing rates than others.
A pre-existing condition is a health problem you had before the date that new health coverage starts.Insurers can’t refuse to cover you or charge you more due to pre-existing conditions, on the Marketplace. Some underwritten, short term and sharing program policies can deny cover for pre-existing if not disclosed in the application process.
Schedule a call with our Team.
You Talking to Me?! You Should Be.
To better serve your insurance needs, we’d like to schedule a call with one of our advisors. This is a great opportunity to address your questions and concerns directly. Please use our online scheduling tool [insert link here]. We’re eager to assist you with your insurance journey.
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