If you are a smoker or tobacco user in Chandler, AZ, you may wonder whether you can still get health insurance coverage. The answer is yes; however, it depends on the type of health insurance plan you are looking for and the carrier from which you purchase the plan. Read on for advice from San Marcos Insurance Group.

Finding Health Insurance as a Smoker 

If you’re a smoker or tobacco user and you’re looking for an individual health insurance plan in Chandler, there are several options available to you. Most carriers will allow smokers and tobacco users to apply for their plans; however, they may have to pay higher premiums than non-smoking applicants. Some carriers will even offer discounts or incentives to those who quit smoking while on their health plan. 

It’s important to note that group health plans don’t typically consider smoking status when determining eligibility or premiums. This means that all employees in a group plan—whether they smoke or not—will normally pay the same rate for their coverage. 

Finding Affordable Healthcare Coverage 

No matter your smoking status, shopping around for the best possible rates on your healthcare coverage is important. Many carriers offer plans in the Chandler area, and it pays to compare prices and benefits among them before deciding which one is right for you. 

In summary, smokers and tobacco users can still obtain healthcare coverage in Chandler, AZ. However, you should be prepared to pay higher premiums than non-smokers depending on the type of plan they select and the carrier from which they purchase it. Contact San Marcos Insurance Group so that we can help you find the right health insurance policy for your needs.

Are you a business owner in the Chandler, AZ area? If so, the San Marcos Insurance Group can provide the commercial insurance protection your business needs. The most important part of a business operation is protecting it from devastating financial loss. The difference could be the company’s ability to continue operations or face the possibility of a shutdown. A commercial insurance policy can make a difference.

There are several types of commercial insurance to choose from. The most common types are liability, property, and workers’ compensation. Simply put, liability insurance covers damage to third parties, property insurance covers any damage to the property of your business, and workers’ compensation covers on-the-job illness or injury to your employees.

Even if you work out of your home, every small business needs protection. If you have business vehicles, you will need business vehicle insurance coverage. Most states will require you to have workers’ compensation insurance if you have employees.

Business insurance requirements will differ from state to state. The names for the various coverage are not always the same among insurance companies. For example, one insurer could refer to coverage for the accidental breakdown of equipment as machinery insurance, while another could call it mechanical breakdown coverage.

Without certain types of coverage, such as workers’ compensation, it puts you in violation of state laws and, in many cases, is considered a felony. This could result in hefty fines and possible jail time.

Also, being underinsured could result in economic losses for the business, as the claim amount could be in excess of the maximum amount that the insurance policy will pay. Underinsurance results from having insufficient coverage or the wrong coverage for your business.

Don’t put your livelihood at risk. Insure it with a commercial insurance policy. The San Marcos Insurance Group can get you started on the road to business security.

What is the need for health insurance? It protects you from the high cost of healthcare. Do you live in or near the Chandler, AZ area? The San Marcos Insurance Group can provide this vital protection.

An accident or illness can befall anyone at any time or age. Without health insurance coverage, any expenses incurred because of accident, injury, or illness will need to be paid by you out-of-pocket. There is no need to risk your savings or financial future. Regardless of age, health insurance is as necessary as car insurance and for similar reasons. To be without either of them is courting disaster.

Health insurance plans cover inpatient care and treatment, ambulance expenses, daycare treatment, pre and post-hospitalization care, and other things. This coverage can be added based on your needs.

Avoiding financial risk is reason enough to make sure you have enough health coverage. Here are some additional reasons:

• Treatment becomes less expensive
• Preventive care helps to keep you healthy
• Peace of mind knowing your finances and health are taken care of
• Those with health insurance are more likely to obtain early diagnosis and treatment, which contributes to improved health.
• Access to prescription drugs and therapies becomes easier.
• Individuals can obtain access to diabetic and asthma medications, contraceptives, and cardiovascular drugs with ease.
• Mental health conditions are more easily managed and treated.

Avoid financial disasters. Just a broken leg can cost as much as $20,000. Why pay this expense out of pocket if you do not have to? Let the professionals at San Marcos Insurance Group provide you with a quote or answer any questions you may have. Contact them today. You will be glad you did.

As a business owner, you have a unique set of responsibilities on your plate. Providing appropriate insurance protection for your business, employees, and customers is one of those essential responsibilities. At San Marcos Insurance Group, serving Chandler, AZ, and the surrounding areas, we can help you make the best insurance choices for your business. Keep reading to learn more about commercial insurance. 

Do I Need Commercial Insurance?

If you are a business owner in Arizona, you are required to provide certain types of insurance coverage under law. This coverage helps to protect your business, your employees, and your customers and clients. Failing to provide proper insurance could result in fines and other consequences.

Even though you may not be required to provide a specific type of insurance, though is not a good reason to ignore the coverage. A sturdy insurance plan protects the investment of time and money you have made into your company. 

What Does Commercial Insurance Provide?

A commercial insurance policy can be customized to suit your needs. In most cases, it will provide the following types of coverage:

• Property damage– This provides money if your property or equipment is damaged during a fire, natural disaster, or burglary. 
• Vehicle coverage– Any vehicles used in the business’s operation must be covered according to state law. Drivers of these vehicles must also be covered. 
• Liability– Liability coverage is crucial to protecting your business and your assets. This coverage will kick in if a customer, client, or employee is injured at work or because of your goods or services. It can help pay for medical bills or legal fees that might occur. 

If you want to learn more about commercial insurance or any other product, please contact us at San Marco Insurance Group, serving Chandler, AZ, and the surrounding areas. 

 

Adults that don’t own health insurance in Chandler, AZ are not fined by the Internal Revenue Service (IRS). Those fees were rescinded in 2018 as a change to the Affordable Care Act (ACA). 

When Did People Need to Pay Fees?

Initially approved in 2010, the Affordable Care Act charged uninsured adults over $600 if they didn’t have coverage. The IRS annually collected the fees. Initially, the goal of the penalty was to encourage adults 25 and older to apply for health insurance. In doing so, they could help reduce medical costs.

When the ACA was modified in 2018, the fee was removed. Thus, there was no need to file a tax exemption to avoid paying the penalty. Nevertheless, there are still some situations where individuals must determine if they’re exempt from policies—for instance, a catastrophic health policy with low premiums but high deductibles. 

Why do I Need Health Insurance if I’m Healthy?

Although you’re healthy now, you don’t know what the future holds. Yes, there’s a good chance you’ll be okay. However, no one can predict the next pandemic or other new illness that can quickly sweep through a population. Ultimately, this is why you should get a health insurance policy.

You don’t have to work a second job to obtain quality coverage. The ACA created an affordable marketplace to help individuals and families obtain policies with smaller premiums. Some programs, like Medicaid, have no premiums and minimum copayments. 

Do you need a health insurance policy? If so, reach out to San Marcos Insurance Group representatives to obtain the one that fits your budget.