Insurance

Does Health Insurance Cover Therapy Sessions?

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Chandler, AZ, residents can benefit from therapy in a variety of situations, such as when they experience depression, anxiety, addictions, mental disorders, relationship conflicts, or other challenges. Therapy is a form of healthcare, but since it may not take place in a standard medical office, you may wonder if health insurance will cover it.

What’s Covered?

Many health plans cover therapy under the right circumstances. Coverage depends on the type of therapy and the specific therapist you choose. Be sure to select an in-network provider whenever possible, as insurers are more likely to cover in-person appointments, though online sessions may also be eligible. Federal regulations require most health plans to cover a range of therapeutic services.

Preventive Care

As with many types of medical care, co-pays and deductibles may apply to therapy. However, certain forms of therapy and counseling are considered preventive care, meaning most insurers fully cover them. This means you likely won’t have any coinsurance, co-pays, or deductibles if your appointment qualifies as preventive.

Most health plans provide coverage for obesity, diet, and alcohol addiction counseling as preventive care benefits with no out-of-pocket expense. Similarly, physical therapy designed to prevent seniors from falling and suffering injuries is often covered by insurance. On the other hand, services like acupuncture and massage therapy typically do not qualify as preventive care.

San Marcos Insurance Group offers dependable health insurance in the Chandler, AZ, area. You can rely on our independent agency to help you find the most suitable plan for your needs. We have access to medical policies from a variety of trusted insurers. To learn more or request a quick health insurance quote, please get in touch with the friendly staff at San Marcos Insurance Group by calling 480-899-6633 today.

Named in a Lawsuit?: Commercial Insurance Can Help

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Getting served with lawsuit papers is something no Texas business owner wants to experience. Yet lawsuits can arise for various reasons, ranging from slip-and-fall injuries to disputes over contracts or advertising. That’s where having the right commercial insurance with San Marcos Insurance Group, serving Chandler, AZ, becomes more than just a piece of paper—it’s real protection for your company’s future.

How Commercial Liability Coverage Works

General liability insurance is often the first line of defense when your business faces a lawsuit. It can help cover legal fees, settlements, or court judgments tied to bodily injury or property damage claims. For example, if a customer trips in your store and breaks an arm, or someone claims your product caused damage, your liability policy is there to step in.

This type of insurance also typically covers claims of personal or advertising injury, such as accusations of slander or copyright infringement. Without coverage, even a single lawsuit could drain company savings or force you to sell assets to cover legal costs.

Other Policies That Offer Protection

Depending on the nature of your business, you might also need professional liability insurance. This covers mistakes or alleged negligence tied to the services you provide. For instance, if you’re a consultant and a client claims your advice caused them financial harm, professional liability insurance can help cover defense costs.

If you own vehicles for business use, your commercial auto policy can also help cover legal expenses resulting from accidents involving those vehicles.

If you’re unsure whether your current policies provide adequate protection in the event of a lawsuit, a local agent in Texas can review your coverage and recommend ways to strengthen your safety net, ensuring one legal claim doesn’t jeopardize your business. Contact San Marcos Insurance Group, serving Chandler, AZ, today to learn more.

Does Commercial Insurance Cover Damaged Inventory?

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While commercial insurance isn’t typically legally required, many business owners opt for it to protect themselves and their assets. Business insurance can help cover the cost of losses due to various natural disasters, theft, and more. But does it only cover structural damage, or does it also cover damaged inventory?

Types of Commercial Insurance

Commercial insurance usually refers to basic liability insurance. This insurance protects your assets if someone is injured on the property, unless it’s a workers’ compensation claim. Liability doesn’t cover many other things. However, business owners should consider several different types of commercial insurance to ensure they’re adequately covered.

  • Workers’ Compensation: Most states usually legally require Workers’ Compensation. This type of insurance handles workers’ compensation claims and pays for the costs of injured employees.
  • Commercial Property Coverage: Commercial property coverage will cover inventory if it’s not covered under your current insurance policy. Always consult an agent about the insurance you need to cover damaged inventory.
  • Natural Disasters: Many businesses in Chandler, AZ, need specific disaster coverage to cover damaged inventory from natural disasters, such as floods, tornadoes, hurricanes, and wildfires. This coverage is in addition to property coverage. San Marcos Insurance Group can help you determine which natural disaster coverage you need.

Specific Exclusions

Many insurance companies exclude specific events. For example, it’s common for a policy to exclude damage due to flooding. Instead, business owners must get flood insurance to cover their inventory. Always ask an agent at San Marcos Insurance Group about exclusions in your policy to ensure you’re adequately covered.

The various types of commercial insurance available can make things confusing. Your inventory may be covered if it’s damaged by an electrical fire, but not by a hurricane. Our agents will discuss your concerns with you to make sure you have the necessary insurance. We’re currently serving the Chandler, AZ area.

High Deductible vs Low Deductible: Which is Better?

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When purchasing health insurance for yourself and your family in Chandler, AZ, there are many factors to consider. One such factor is choosing between an HMO and a PPO. Another crucial factor involves determining whether a high or low deductible will be more beneficial for you. San Marcos Insurance Group can assist you in deciding which health insurance deductible will best suit your situation.

Understanding Health Insurance Deductibles

A deductible is the amount you’re required to pay out-of-pocket before your insurance policy begins to cover eligible costs. For most people, affordability is a primary reason for choosing one type of plan over another. The size of your monthly premium, which you must pay even if you don’t incur any medical expenses, influences your deductible. In addition to your deductible, you should also consider your out-of-pocket maximum, which includes doctor co-pays and co-insurance. This figure will help you determine which type of policy is right for you.

Making the Right Choice

With a high deductible, you assume the risk that you won’t need extensive healthcare, resulting in a lower premium. These plans typically cover preventive care and annual checkups and include a healthcare savings account (HSA), which you can use to pay for out-of-pocket expenses you may encounter. The money you contribute to your HSA can help lower your annual income tax bill. Low-deductible plans have a higher monthly premium, but you’ll pay less money upfront for healthcare. Older adults and those with chronic health problems who frequently visit doctors can benefit from these plans. However, these plans typically do not include an HSA.

Contact San Marcos Insurance Group, serving Chandler, AZ, to learn how different health insurance carriers operate high—and low-deductible plans. Call our office today to get started.

Does Your Health Insurance Cover Seasonal Allergies in Chandler, AZ?

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Millions of Americans suffer from seasonal allergies, which cause uncomfortable symptoms such as itchy eyes, runny noses, severe sinus pressure, and sniffles. For some, the symptoms are so severe that they require medical attention. However, allergy treatment can be expensive without adequate health insurance coverage.

Does Your Health Insurance Cover Seasonal Allergies in Chandler?

The best way to determine if your current health insurance plan covers seasonal allergies is to review your coverage or seek advice from trusted agents like San Marcos Insurance Group.

  • Doctor Visits: Review your policy to determine if it covers well-checks, seasonal allergy care provided by primary care physicians, and allergy specialists who treat more severe allergic conditions.
  • Allergy Testing: Some health insurance policies cover allergy testing, including skin tests, which can help identify allergens that trigger sneezing, coughing, itchy eyes, and severe sinus pressure.
  • Prescription Medications: Consult a health insurance expert to learn if you are eligible for over-the-counter allergy medications and prescription medications like antihistamines and decongestants that can help alleviate some of the persistent symptoms of seasonal allergies.
  • Immunotherapy: Chandler locals suffering from severe allergy symptoms may need to get allergy shots or immunotherapy to treat and reduce the negative effects of persistent seasonal allergy symptoms.

Accurate health insurance that covers doctor visits and allergy treatments can help relieve the nagging symptoms of seasonal allergies.

Secure Health Insurance in Chandler, AZ

If you and your loved ones are suffering from the painful effects of seasonal allergies without adequate health insurance coverage, reach out to a trusted local health insurance professional.

Contact the experts at San Marcos Insurance Group and get a comprehensive health insurance quote today!

How Commercial Insurance Protects You From Unusual Risks

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As a business owner in Chandler, AZ, you face numerous risks, depending on your industry. Even small operations can encounter property damage and liability issues during normal operations. An unexpected accident or lawsuit can be financially devastating for your business. Commercial insurance policies from San Marcos Insurance Group can help keep your business running.

One Policy Doesn’t Cover Everything

At the very least, you need a general liability policy. Most business owners opt for a business owner’s policy that combines several insurance lines to insure your company fully. These customized packages allow you to choose insurance lines that make the most sense. For example, most BOPs combine general liability and may include business property insurance if you own the building that houses your operations. BOPs are cost-effective but may not provide you with all the protection you need. Many entrepreneurs start with a BOP and then add specific coverage as their company grows.

Common Commercial Insurance Add-Ons

Cyber insurance is one of the most popular add-ons, particularly if your company retains sensitive client information. Many business owners customize their policies to include umbrella insurance, providing an extra security layer if your company is sued. Businesses with employees should also have worker’s compensation insurance to cover workers who sustain injuries as part of their work duties. Errors and omissions insurance can benefit professionals who provide advice.

The commercial insurance lines you need will depend on the following factors:

  • Industry type
  • Number of employees
  • Years in operation
  • Location
  • Payroll
  • Risk exposure

Choosing commercial insurance is a highly individualized proposition. Contact San Marcos Insurance Group, serving Chandler, AZ, for an appointment to select the right lines for your business.

Does Your Business Continuity Plan Include Commercial Insurance Solutions?

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No business owner plans for failure or catastrophic situations, but every successful company prepares for the possibility of encountering serious problems. This preparation often involves creating a business continuity plan in which commercial insurance can play a major role. That’s one of the many reasons why businesses in and around the Chandler, AZ, area rely on the experienced team at San Marcos Insurance Group for their commercial insurance needs.

Commercial Insurance: A Key Component of Your Business Continuity Plan

When people think about commercial insurance, they often consider it as protection against theft, accident-related damages, or liability claims. While these are valid reasons for commercial insurance, they’re just a few of its benefits. That’s why it’s a good idea to work with an experienced agent to get the comprehensive commercial insurance solutions your business needs. From mitigating losses to helping your company continue to operate, commercial insurance can be a key component of your business continuity plan and success in the face of a business crisis.

Insurance Solutions for Chandler, AZ Business Owners

If you own a business in or around the greater Chandler, AZ, area and have questions or need commercial insurance, we can help. Contact San Marcos Insurance Group to learn more and schedule an appointment for the coverage and protection your business needs and deserves.

Health Insurance Options for Young Families in Chandler

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Choosing the best health insurance policy for your young family can seem daunting. Understanding your options can help you find a comprehensive plan that covers your entire household’s medical needs while keeping premiums and costs as affordable as possible. At San Marcos Insurance Group, we specialize in finding tailored health insurance policies for young families in Chandler, AZ.

The Importance of Health Insurance Coverage for Young Families

Health insurance coverage is essential for young families for routine checkups, emergency care, and necessary vaccinations. It protects against unnecessary out-of-pocket expenses and provides peace of mind.

Health Insurance Options for Young Families in Chandler, AZ

Young families in Chandler have several options when it comes to health insurance policy types, including:

  • Employer-Sponsored Insurance: Full-time employees may qualify for coverage from their employers, typically resulting in reduced premiums and, in some cases, additional benefits such as vision and dental coverage.
  • ACA (Affordable Care Act): The ACA marketplace allows individuals and families to explore insurance plans online.
  • Medicaid: Low-income families may qualify for Medicaid or, in some cases, the Children’s Health Insurance Program (CHIP).
  • Private Insurance: Private insurance can be obtained and customized for specific needs. It may also provide additional perks and/or access to specialized providers or networks outside of Medicaid and traditional policies.

If you’re looking for a reliable health insurance policy that meets your household’s coverage needs and aligns with your budget, we can help. Contact San Marcos Insurance Group in Chandler, AZ, to learn more about your health insurance policy options. We can provide a consultation to begin reviewing and comparing health insurance policy options suitable for your family’s needs.

Cover All Your Bases with Commercial Insurance

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The concerns and responsibilities of business owners can be as diverse, different, and unique as the companies they own. That is also one of the reasons why being a business owner typically requires wearing more than a few hats. From being a public relations speaker to an inventory manager or a sales representative to a customer service specialist, there are many areas successful business owners must cover. And when it comes to protecting their companies, many Chandler, AZ business owners turn to the trusted and professional team at the San Marcos Insurance Group to cover all the bases with commercial insurance solutions.

Cover All Your Bases with the Right Commercial Insurance Solutions

Protecting the business from fires, flooding, theft, and many other potential threats is one of the most important aspects of business ownership, and the right commercial insurance plan can make a difference. The risks and threats businesses can face vary and involve many variables and factors. From liability protection from claims to help during a catastrophic event like a fire, having the right insurance can be a game-changer. That is why business owners work with proven and professional agents for the commercial insurance solutions they need.

Find Commercial Insurance Solutions in Chandler, AZ

Do you own a business in or around the greater Chandler, AZ area? Do you have questions, or would you like to learn more about commercial insurance solutions for your company? Then we can help. At the San Marcos Insurance Group, our team of experienced and knowledgeable agents can help you get the right plan and coverage to help protect you and your business and cover all your bases. Contact us to find out more and schedule an appointment for the protection your business needs and deserves at the San Marcos Insurance Group today.

Should I Supplement My Employer-Provided Health Insurance?

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Whether supplementing your employer-provided health insurance plan will benefit you depends on the plan’s components and your needs and preferences. Those with flexible health benefits plans through their employment generally do not need supplemental plans. However, others consider them critical for managing family healthcare costs. If you live in or near Chandler, AZ, consider contacting San Marcos Insurance Group. We will answer all your health and supplemental insurance questions.

What is Supplemental Health Insurance?

Supplemental health insurance covers elements of your health care beyond the benefits you receive through your employer’s core health plan. For example, some employer-based plans offer the opportunity to buy extended vision or dental coverage during enrollment.

Beyond policy extensions obtained through your employer, consider supplemental policies acquired on the open market to cover health care issues your employer may or may not offer.

Depending on your family’s health history, financial circumstances, and retirement plans, supplemental health insurance coverage to consider includes the following:

  • Long-term disability: Employer disability plans often do not cover long-term disabilities that keep you from working or doing so at full capacity.
  • Long-term care: Few employer plans cover adult day care, assisted living, or similar needs resulting from disability or age.
  • Critical illness: Those with family illness histories may want to acquire supplemental coverage for specific named diagnoses.
  • Hospitalization: Hospital costs can be extremely high. Hospital indemnity insurance pays the hospital costs exceeding your employer’s daily rate, so you avoid substantial bills.

Supplemental Health Insurance with San Marcos Insurance Group

If you live in or near Chandler, AZ, and want to discuss whether supplemental health insurance is right for you and your family, call the San Marcos Insurance Group team at (480) 899-6633. We’ll discuss your situation and create a plan for you as needed.