Frequently Asked Questions

Question 1

What types of insurance do you offer?

Accepted Answer

We offer a wide range of insurance products including health insurance, dental insurance, life insurance (whole, term, and universal), disability insurance, short-term health and disability coverage, Medicare supplements, prescription coverage, and daily hospital benefits.

Question 2

How do I know which life insurance policy is right for me?

Accepted Answer

Choosing the right life insurance depends on your financial goals, budget, and coverage needs. Term life insurance is ideal for temporary coverage, while whole and universal life policies offer lifelong protection and potential cash value. We’re happy to help you compare options.

Question 3

What is the difference between short-term and long-term disability insurance?

Accepted Answer

Short-term disability insurance provides income replacement for a limited period, typically a few weeks to months, during temporary illness or injury. Long-term disability insurance covers extended periods and is designed for more serious or permanent conditions.

Question 4

Do you offer coverage for prescription medications?

Accepted Answer

Yes, we offer prescription coverage plans that help reduce the cost of medications. These can be standalone or included as part of a broader health insurance package.

Question 5

What are Medicare supplement plans and who needs them?

Accepted Answer

Medicare supplements, also known as Medigap plans, help cover costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles. They are ideal for seniors looking to minimize out-of-pocket healthcare expenses.

Question 6

How can I get a quote or speak with an agent?

Accepted Answer

You can contact us directly by phone or through our website to request a personalized quote or schedule a consultation with one of our licensed insurance professionals.

Question 7

Is disability insurance necessary if I already have health insurance?

Accepted Answer

Yes. Health insurance covers medical expenses, but disability insurance replaces lost income if you’re unable to work due to illness or injury. It’s an important layer of financial protection.

Question 8

What does dental insurance typically cover?

Accepted Answer

Dental insurance usually covers preventive care like cleanings and exams, as well as basic and major procedures such as fillings, crowns, and oral surgery. Coverage levels vary by plan.

Question 9

How do daily hospital benefits work?

Accepted Answer

Daily hospital benefits pay a fixed amount for each day you’re hospitalized. This can help offset additional costs such as transportation, meals, or lost income not covered by standard health insurance.

Question 10

Can I get coverage if I’m between jobs or waiting for employer benefits to start?

Accepted Answer

Absolutely. Our short-term health insurance plans provide temporary coverage during transitions, ensuring you’re protected until your permanent insurance begins.