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Frequently Asked Questions

We understand that you may have questions about insurance coverage, enrollment, and our services. Below, we've compiled answers to the most frequently asked questions to help you make informed decisions.

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder. Deductibles vary by plan and can range from $500 to several thousand dollars.

When speaking with your agent to set up your policy, discuss any valuables you are concerned about and our agent can review your policy and recommend changes to ensure your valuables have proper coverage.

No. You do not need a new home appraisal during the renewal or coverage change process. However, you may want to update coverage amounts if your property value has significantly changed.

We offer comprehensive insurance solutions including Health (individual or group), Medicare, GAP, Life, Annuities, Voluntary benefits, and many more. We can access any insurance product to get the right one for you.

Secondary insurance helps cover medical deductibles and out-of-pocket costs that your primary major medical insurance doesn't cover. It requires you to have existing major medical coverage and can significantly reduce your healthcare expenses.

Yes, all rates are protected until January. Find an agent near you to see how you can help cover your medical deductible with rate protection guarantees.

Secondary insurance typically excludes procedures not covered by your major medical insurance, doctor copays, prescription drugs (RX), and doctor fees. Coverage varies by plan.

Our agents will assess your healthcare needs, budget, and preferred doctors to recommend the best plan. We consider factors like deductibles, copays, prescription coverage, and provider networks.

You can first enroll in Medicare during your Initial Enrollment Period, which begins 3 months before you turn 65 and ends 3 months after your 65th birthday. There are also Special Enrollment Periods and Annual Open Enrollment from October 15 to December 7.

Medicare has four parts: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). Each part covers different healthcare services.

Medicare supplements (Medigap) can help cover costs that Original Medicare doesn't pay, such as copayments, coinsurance, and deductibles. Our Medicare specialists can help you determine if a supplement plan is right for you.

Medicare costs vary depending on the parts you choose and your income. Part A is usually premium-free, Part B has a standard monthly premium, and Part D and supplement costs vary by plan. We'll help you understand all costs involved.

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