Hidden Health Insurance Facts Arizona Residents Should Be Aware Of

Based in Chandler, AZ, San Marcos Insurance Group serves the community by offering different types of insurance coverage. As an independent agency, we offer our clients flexible policies that suit their individual needs. Providing excellent customer service is one of our top priorities.

Hidden Health Insurance Facts

Health insurance is an asset that assists you in maintaining good physical conditioning. The policy covers yearly health checkups with your doctor, as well as any urgent care visits. If you are diagnosed with an illness and you have to be hospitalized, health insurance will protect you. The policy also covers any medication that your doctor may prescribe to help you feel better. While you are researching different policies, here are some hidden health insurance facts that you may not be aware of.

Alternative Treatments

Your health insurance policy may cover you if you pursue alternative forms of treatment. If your doctor recommends that you try acupuncture, yoga, or some chiropractic treatments, your health insurance policy may allow for it.

Staying Fit

Be sure to research the terms of your policy carefully to see if there are any benefits for striving to maintain a healthy lifestyle.  It is possible that your policy may include extra benefits for going to the gym regularly and staying active. The policy may also include benefits if you are adhering to a strict diet or are generally trying to watch what you eat. To assist you, your policy may include tips on different types of food to try.

In Home Visits

If you are feeling ill, but are unable to get to the doctor’s office in Chandler, AZ, your health insurance policy may cover in home treatment. This provides you with a layer of comfort that you can rest easy at home.

Consult With San Marcos Insurance Group

To learn more information on health insurance, visit our website today!

How can commercial insurance protect my Arizona business?

Those that are in the Chandler, AZ area will likely notice that there is a strong local economy that continues to support businesses of all types and sizes. Due to this, it can be a great place to start a business. When you are looking to start any type of business in this area of Arizona, it would be a good idea to get commercial insurance. When you get commercial insurance for your company, it will protect your organization a number of ways.

Insurance Gives Liability Protection

The risk of liability claims is a real one for any business. Those that are found liable for damages for any reason will need to pay for the damages that they caused. In some cases, this could be very devastating for your business. Due to this, you should get a commercial insurance policy as it will include liability insurance. This will help your business can remain solvent even if you are found liable for major damages.

Protection for Business Investments

Another reason that you will want to get commercial insurance is that it can provide you with protection for your business investments. Anyone that starts a business will have to invest a lot of capital to get it off the ground. This could include making investments in equipment, inventory, or other assets. If these assets were ever stolen, damaged or destroyed, the impact could be significant. With commercial insurance, you can receive protection for these assets.

If you are looking for commercial insurance in the Chandler, AZ area, you should reach out to the team at the San Marcos Insurance Group. If you do call the San Marcos Insurance Group you can learn more about this type of insurance and how it can protect you, which will help you choose the right policy. 

How to Make Sure You’re Getting Customized Health Insurance in Arizona

If you want to get health insurance for specific circumstances that go beyond the general coverage of a health insurance policy, you’ll need to talk to an independent insurance agent. For top-quality insurance products in the Chandler, AZ area, reach out to San Marcos Insurance Group.

The Issue with a One-Size-Fits-All Health Insurance Plan

When you sign up for a health insurance policy that’s too generalized without any coverage for your particular medical conditions, it can lead to trouble now or further down the road. You may end up needing a certain treatment or procedure and won’t have the ability to use your insurance for this. Or, you may have to visit a specialist doctor and the appointment(s) won’t be covered if there’s not something built into your policy in regards to it. This can leave you scrambling to get the funds for urgent health matters or losing out entirely which is likely to cause a worsening of those health issues that would have been addressed otherwise.

Make an Appointment with an Agent

It’s in your best interest to set up an appointment to discuss the concerns you have and health issues that fall outside of the range of what most general insurance covers. Let them know of your situation if it affects what you should get for health insurance. Then, they’ll make suggestions and tailor a package with the right policies and any additional coverage amounts that would be ideal.

Visit San Marcos Insurance Group, a team that is proud to serve the greater Chandler, AZ region for insurance needs. If you have questions, contact us and a representative will do their best to answer and put you at ease about the process of signing up for health insurance.

Why Your Business Needs Commercial Insurance

If you own a business in Chandler, AZ, then you need everything you can get to keep your business protected. Commercial insurance is a way to help keep your business from toppling in the case of an accident or worse. Some new and upcoming business owners may be unfamiliar with commercial insurance and what it covers. Luckily, you can learn all of the in’s and out’s of commercial insurance with San Marcos Insurance Group. 

What Does Commerical Insurance Cover?

Commercial insurance, or business insurance, is a type of insurance that protects you and your business from property damage or reputation damage. If you’re unfamiliar with commercial insurance protection, here are some areas in which commercial insurance can provide coverage for you and your business: 

  • Financial compensation for employees who are injured on the job
  • Repair costs
  • Replacement costs
  • Equipment damage
  • Liability
  • Lawsuits

These are just some of the general areas in which commercial insurance can provide coverage for you and your business. The specific coverage amounts and coverage types will depend on what coverage policy you choose. However, if you want to find the right commercial insurance policy for you and your business, visit San Marcos Insurance Group to protect your business. 

Why Is Commercial Insurance Important? 

Commercial insurance protects your business’s property and employees. After all, your employees are what keeps your business going. It only makes sense to keep them safe and protected, so that your business can continue to thrive. As a business owner, you want to do everything you can to ensure your business does well. That’s why it only makes sense to have commercial insurance. 

Stay Protected with San Marcos Insurance Group

To help you keep you and your business protected, visit San Marcos Insurance Group to find the right coverage for you. Our office serves the Chandler, AZ area.  

Mistakes To Avoid When Shopping For Health Insurance

Health insurance is one of the main investments in your worry-free and healthy life. Therefore, choosing the right policy based on your needs is not an easy task. There is a high risk of missing out on some key aspects. In order to help you to make an informed decision and pick the policy you really need, San Marcos Insurance Group serving Chandler, AZ has prepared a list of mistakes you should avoid when searching for a health insurance plan: 

Shopping At The Last Minute

Since buying a health insurance plan is an important decision, it will take time for you to find the best coverage. Therefore, it is better to start reviewing your options as early as possible. If you procrastinate and wait until the last day of enrollment, you will not have enough time to make the right decision. 

Not Revealing Your Medical History

When you are buying a health insurance plan, you should inform your insurance agent about your current health status and medical history. If you decide to be secretive about it, you risk not receive medical coverage in case of illness or an emergent medical issue due to a pre-existing medical condition. Moreover, not disclosing your medical history increases the risk of posing a threat to future claim settlements. 

Not Taking Your Own Requirements And Needs Into Consideration

One of the best things about health insurance is that you can pick a plan to fit your needs. However, many people ignore this aspect and pick a standard policy. Considering your requirements when buying health insurance is important and beneficial at the time of claim. 

If you are a resident of Chandler, AZ, or any other surrounding town who is searching for a health insurance policy, San Marcos Insurance Group is the company of professionals you can trust. Give us a call today or visit our website to find out how we can help you to get the coverage you need and can afford. 

How Will Commercial Insurance Protect my Business?

Anyone that would like to start a small business needs to find a great area to open and start it. One city that continues to offer a lot of great opportunities for small business owners in Chandler, AZ. When you are in Chandler, AZ, you will benefit from a large population base and a mentality geared towards helping local businesses. To ensure that your business is able to thrive, you need to get commercial insurance, as it will protect your business in many ways.

Ensures You Have Liability Protection

One of the reasons why you will want to get commercial insurance is that it can protect your business from liability risk. If you sell a product or service, you are always going to run the risk that you could be sued for liability. If you are sued and lose, it could be devastating. Fortunately, you can get a commercial insurance policy that will give you liability protection to offset this risk as you will have coverage for liability.

Covers Business Assets

When you start any type of business, you are going to need to purchase some assets for your business. This includes capital equipment, starting inventory, and other assets that will ensure your company is able to operate. When you have a commercial insurance policy, you will receive protection and coverage for these assets to ensure they will be replaced if the items are stolen or damaged. 

When you want to start a business in Arizona, you should speak with the San Marcos Insurance Group about your insurance needs. The team at the San Marcos Insurance Group can help you to identify risks associated with your business that could be mitigated with insurance. The team can then help you get into a policy that will provide you with the best coverage possible. 

Important terms to understand when choosing health insurance

Health insurance is something that everyone needs to have but it is one of the most confusing types of insurance. You will be asked to choose a policy to cover your healthcare needs and in some cases, it will seem like you are comparing apples and oranges. How can you make an informed choice when things are so different from one carrier to another?  You need to understand exactly what some of the insurance terms mean and by talking to the experienced team at  San Marcos Insurance Group in Chandler, AZ you can feel more confident with your decision. 

In order to choose the healthcare policy that makes the most sense for you, comparing copays, deductibles, networks, and formularies is important. Knowledge is power and knowledge will help you make the best decision for you. 

Copay

A copay is the portion of a medical expense that is your portion to pay. It can be a percentage or it may be a set amount. Examples are the amount you pay when you visit your doctor or the amount they ask upfront when you go in for blood work or Xrays. 

Deductible

The deductible is the amount of money you must pay before your policy goes into effect. High deductible policies are popular because they are less expensive but the reality is that if you don’t meet the deductible very few if any expenses will be paid. 

Formulary

This is the list of drugs that are covered under a plan. Drugs are assigned to a tier and each tier has a copay and some may also have a deductible. You should check which tier any drugs you take fall into. 

Network

These are the doctors and health facilities that you may use for coverage on your plan. Checking to make sure your personal doctor is in Network is something to do before signing on the dotted line. 

Call the San Marcos Insurance Group in Chandler, AZ to make an appointment to discuss your health insurance needs. 

When Is The Time To Increase Commercial Insurance?

San Marcos Insurance Group helps protect business owners in  Chandler, AZ with a variety of insurance services including commercial insurance. Most businesses would not dream of not having basic commercial coverage but sometimes insurance upgrades get overlooked as a business grows. 

It May Be a Good Idea to Increase Your Commercial Insurance Coverage When:

  • You hire more employees. There is a threshold that varies by state and type of business but each time you add another employee to your typical number of staff you should consider increasing your commercial insurance, and in many cases, it is required.
  • You add a location or change locations. Even if your business is running exactly the same in your new location there may be insurance considerations you need to take into account for the new location to make sure you are fully protected. In some cases, your premiums may actually decrease if the area is in a better location. 
  • You add to your services. Are you providing a whole new service within your existing company? There are many situations where your additional service may need better coverage so any risk increase is negated with protection. One instance would be if you are a restaurant that adds delivery to your service, you may want to add a line to protect your drivers in particular. 

Contact us at San Marcos Insurance Group if you would like to discuss your commercial insurance and the particulars of your coverage for your company. We serve Chandler, AZ and the surrounding areas with quality insurance services. Do not leave your company under-protected, call us to keep your insurance policy up to date with all your growth. 

I Quit Smoking, How Do I Get Lower Life Insurance Premiums?

Your life insurance provider would rather you not smoke, and you can generally expect a lower premium if you quit, but the lower premium won’t kick in overnight. Your insurer wants to make absolutely certain that you’re not smoking anymore, so there are a few provisions to getting your lower premiums:

  • Most insurers won’t offer lower premiums until you’ve been a non-smoker for twelve months.
  • In order to keep your lower rates, you need to remain a non-smoker for two years. If you start up again, your premiums will go up.
  • Your insurer may offer a few exceptions. Some life insurance providers will allow you to smoke up to four cigars a year or enjoy the occasional pipe without classifying you as a smoker.

It’s a good idea to call your insurer when you first start quitting, and again once a year is up. If you tell your insurer that you quit smoking, some insurers will have you undergo a test, while others may take your word for it, but if nicotine turns up in your next physical, you could be looking at charges of insurance fraud, so honesty is the best policy here.

Because being reclassified by your insurer can be so difficult, many life insurance buyers in Chandler, AZ will choose to simply switch providers rather than jump through all of the hoops with their current life insurance company.

If you are in Chandler, AZ, and shopping around for a new life insurance provider, we’d recommend giving San Marcos Insurance Group a call. San Marcos Insurance Group can get you the life insurance coverage that you need in order to take care of yourself and your family.

Do Classic Cars Need Full Coverage Auto Insurance?

Getting the right auto coverage can be tricky in some cases, especially those involving a classic car. Some classic cars are categorized as investments and increase in value over time, which would require a special type of auto insurance designed specifically for classic cars. Those classic cars not fully restored or in less than perfect shape may rely on regular auto insurance. To determine which scenario fits, consult with an insurance agent.

Classic Car and Basic Auto Insurance

Classic Car insurance and regular auto insurance are very different. When it comes to classic car insurance, usually to amount of coverage is based on an appraisal by a qualified representative. If there is a claim the face value of the policy is paid in full. For regular auto insurance, the claim is based on damage assessments that may only pay the maximum claim amount if the vehicle is totaled. Those who have restored vehicles with substantial value should speak with an agent about classic car auto insurance. Those who have classic cars that aren’t restored may do better with a standard auto insurance policy. 

The Benefits of Working With an Agent

Navigating the world of insurance coverage without a professional to turn to for assistance can prove risky. Especially if there is a need for insurance in an uncommon situation such as covering a classic automobile. Those who are in the market for coverage for a classic vehicle should consult with San Marcos Insurance Group, serving Chandler, AZ. They have the insight and skill to recommend high-quality auto insurance products that provide comprehensive coverage for classic cars. 

Don’t risk selecting insurance for a classic vehicle without professional assistance. Call or stop by San Marcos Insurance Group serving Chandler, AZ to find out more about available options.