FAQ
FAQ
Frequently Asked Questions
Understanding Health Coverage
Health insurance helps share the cost of your medical services. It protects you financially so you don’t have to pay 100% of the cost out-of-pocket.
A deductible is the amount you must pay for covered services before your insurance starts paying.
A premium is a regular payment made to your insurance company to maintain coverage. Premiums are typically paid monthly, quarterly, or annually, either by you, your employer, or both.
You can purchase a vision plan anytime during the year. This flexibility means you don’t have to wait for open enrollment to get coverage for new glasses or eye care needs.
Insurance for Students & Families
Depending on the school, your child may have access to a student health plan if they aren’t covered under your insurance.
Life insurance needs vary for everyone. As a licensed insurance agent, we can help you determine which type of life insurance best fits your family’s needs and financial goals.
An accident policy provides cash benefits directly to you when unexpected injuries occur—like a sports accident or minor injury. It helps cover costs that standard health insurance may not, such as mortgage payments, transportation, or temporary care expenses while you recover.