Frequently asked questions
We provide a wide range of insurance solutions for both individuals and families, including Life, Health, Medicare as well as Financial Planning and Retirement income solutions. Our goal is to help families and businesses find the right coverage at the best rates for their needs.
Contact us directly by phone or email, and we’ll guide you through the claims process step by step. We’re here to support you every step of the way.
Yes! Many policy changes can be made online or by contacting our office. We’re always happy to help you update your coverage as your needs change.
Term life insurance provides coverage for a specific period, while whole life insurance offers lifelong protection and builds cash value. We’ll help you decide which is best for your family’s needs.
Life insurance provides financial benefits to your dependents or beneficiaries after your death. It can help replace lost income, pay for final expenses, and support your loved ones financially
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The amount depends on factors like your age, debts, monthly expenses, number of children, and future financial goals. A good rule of thumb is to consider your family’s needs and any outstanding debts.
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Yes, but your options and premiums may vary. Some policies require a medical exam, while others (like guaranteed issue policies) do not, though they may cost more.
The best time is when you’re young and healthy, as premiums are typically lower and you’re more likely to qualify for better rates .
Medicare is a federal health insurance program primarily for people age 65 or older, but it also covers certain younger people with disabilities and those with End Stage Renal Disease.
You are eligible if you are 65 or older, under 65 with certain disabilities, or have End Stage Renal Disease. Eligibility can also depend on your work history and whether you receive Social Security or Railroad Retirement benefits.
If you have a pre-existing condition, the most important thing to know is that, under the Affordable Care Act (ACA), health insurance companies cannot refuse to cover you or charge you more just because of your pre-existing condition. This means you are eligible for coverage, and your plan must cover treatment for your condition from the start of your coverage.
Prescription drug coverage is available through Medicare Part D or some Medicare Advantage Plans. You must enroll in these plans separately if you want drug coverage.
Some plans require you to see dentists within their network (closed panel plans), while others (like PPOs) allow you to see any dentist, but you may pay more if you go out-of-network. If you see an out-of-network provider with a closed panel plan, you may not receive any benefits.
Ask your dentist’s office if they accept your specific insurance plan. Many offices can file claims and accept assignment of benefits for PPO plans, allowing you to choose your provider.
Consider whether you can see your preferred dentist, what the total costs are (premiums, deductibles, co-pays), what the annual maximum is, and what procedures are covered or excluded.
Understanding the differences between these common types of health insurance plans can help you choose the best option for your needs. Here’s a breakdown:
1. HMO (Health Maintenance Organization)
Network: Requires you to use a specific network of doctors and hospitals.
Primary Care Physician (PCP): You must choose a PCP who coordinates your care.
Referrals: Needed from your PCP to see specialists.
Out-of-Network Coverage: Generally not covered except in emergencies.
Cost: Usually has lower premiums and out-of-pocket costs .
2. PPO (Preferred Provider Organization)
Network: Offers a larger network of providers.
Primary Care Physician: Not required.
Referrals: Not needed to see specialists.
Out-of-Network Coverage: You can see out-of-network providers, but at a higher cost.
Cost: Higher premiums and out-of-pocket costs for the added flexibility .
3. EPO (Exclusive Provider Organization)
Network: Similar to PPOs with a large network, but you must use in-network providers.
Primary Care Physician: Not required.
Referrals: Not needed to see specialists.
Out-of-Network Coverage: Not covered except for emergencies.
Cost: Premiums are typically between HMO and PPO plans .
4. POS (Point of Service)
Network: Combines features of HMO and PPO plans.
Primary Care Physician: Required.
Referrals: Needed to see specialists.
Out-of-Network Coverage: Allowed, but you’ll pay more for out-of-network care.
Cost: Balances cost and flexibility; premiums and out-of-pocket costs are usually moderate.
