Most Frequently Asked Questions

 Get 24 hour access to a local or out of state attorney that specializes in the area of law that you need.  Being detained, got a traffic ticket, unfairly treated by a consumer?  They will work on your behalf, make phone calls, write letters, trial representation, create a will and so much more for a small monthly fee.  The family protection legal plan is only $29.99.  

When speaking with one of our Brokers or Independent agents we will present several options and most importantly make sure that our clients have all the important details about that coverage. 

A deductible is the amount that an individual is responsible to pay out of pocket annually before your policy coverage begins paying their responsible portion  

Coinsurance is what you—the patient—pay as your share toward a claim. Coinsurance is a form of cost-sharing, or splitting the cost of a service or medication between the insurance company and consumer. You typically pay coinsurance after meeting your annual deductible. 

Let's use 20% coinsurance as an example. 

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A 20% coinsurance means your insurance company will pay for 80% of the total cost of the service, and you are responsible for paying the remaining 20%. Coinsurance can apply to office visits, special procedures, and medications. 

EXAMPLE: Let’s say you visit a doctor because you have an eye infection. 

Scenario #1: If the examination by your doctor cost $100, you would pay $20 out of pocket while your insurance company would pick up the tab for the remaining $80.

Scenario #2: Let’s say your primary care physician couldn’t provide the full treatment for your eye infection and had to refer you to an eye specialist. Your visit to the specialist cost $120 so you paid $24 (20% of $120), and your insurance company paid the remaining $96 of the bill. 

The specialist prescribed you some medication for your eye, so you head to the pharmacy to pick it up. The prescription costs $60, so you are asked to pay $12 out of pocket (20% of $60), and your insurance takes care of the remaining $48. 

MOOP is an acronym standing for “maximum out-of-pocket” costs. The MOOP is the limit on annual out-of-pocket expenditures paid by a health plan enrollee for medical services that are covered by a health insurance plan.

After a MOOP is satisfied during a given plan year, the health insurance plan enrollee does not pay additional cost sharing for covered medical services until the next coverage period (which often begins at the start of a new calendar year). 

For example, imagine a health insurance plan has a $7,000 MOOP. An enrollee in this health plan has a major medical event early in the year and spends $7,000 on deductibles, co-payments and co- insurance fees. 

For the remainder of the year in this example, this enrollee would not pay any more on deductibles, copayments, or co-insurance for medical services that are covered by the health plan. Any medical services not covered by the health plan would not be affected by the MOOP. 

At the start of the new year, the enrollee would begin to pay deductibles, copayments, or co-insurance because a new coverage period has begun and the MOOP has not been satisfied for that coverage period.

A MOOP is a tool to protect a health plan enrollee from catastrophic medical costs that can occur despite the presence of health insurance coverage.

Basically, an independent insurance agent is a local insurance pro who gets to know you and every single one of your needs before tracking down the right coverages and laying all your options out for you – kinda like a personal shopper.

And when we say independent, what we mean is they aren’t directly tied to one insurance provider for coverage options. They can offer you multiple choices from a whole list of carriers to help find what works best for you. This works especially well if you need a bunch of different insurance policies at once — they can streamline the entire process and save you a ton of time and money.

 Like Wall Street stockbrokers, insurance brokers sell — and sometimes negotiate — all sorts of different types of insurance products to individuals and corporations. Brokers are similar to agents in that they can both discuss the customer’s needs, then shop around and provide, often, multiple insurance options.

Here’s where it gets a little tricky. There are a few key differences between the two. Ultimately, they have the same qualities. They also have the reputation of providing the best customer service, responsiveness, timely appeals and catching mistakes of the underwriters that could have possibly gotten you denied beca they are more invested in their instead  of one particular company. 

• Independent agents can write insurance policies, brokers can’t. And that makes the whole process a lot easier — and faster, too. Brokers can only gather up your info and submit applications on your behalf. During this period, the brokers acquire a “binder” (or temporary policy) that will become a full-grown policy after 30 or 60 days.
• Independent agents have contracts, brokers don’t. This means independent agents have trusted connections they’ve built with multiple insurers, making them able to give their customers a great deal of insight into each company’s background. Heck, they could probably even tell you their favorite claim rep’s birthday. On the other hand, brokers can search options at literally any company. Unfortunately, they typically won’t have the extra insight to tell you in great detail about each company’s specialties.

• They Act in the client’s best interest: Service from a broker is personalized and honest. Because a broker represents you rather than a single insurance company, you can trust you’ll be receiving unbiased information and recommendations. Additionally, a broker will provide you with full disclosure on their commission rates.
• Possess knowledge on a variety of topics: An insurance broker knows about the rates and options offered by several different insurance carriers, along with an abundance of knowledge about the insurance industry.
• Provide better deals on costs: Because a broker isn’t obligated to sell one insurance carrier’s product, they can provide you with several options and find the most favorable terms for you.