Insurance Solutions for California

Having the right Insurance Solutions can be very complicated and something most people do not understand but it is very necessary. Whether you are looking to save money on insurance for your Auto, Home, Health or Life Insurance, you should educate yourself as a consumer. There are obviously many insurance carriers available here in California, but how do you know who has the best rates or the best plan for you? There are thousands, if not millions, of websites offering you online quotes but what does that mean for your insurance coverage? This is what we will be looking at today.

Save Money on Your Insurance

Insurance SolutionsThey say “You can never have enough…”, but there is such a thing as being over-insured. Insurance is meant to cover the potential financial loss you would suffer and therefore you should try to limit the amount of money you spend just in case something happens. You want to make sure you have enough insurance that would cover any potential losses at the best rate possible but without cutting too many corners. Of course some risks carry more weight than others but you want to ensure that your overall financial exposure is at a minimum. Thus, the ideal situation is to have adequate insurance coverage but without having to break the bank. This way you can put your hard earned dollars towards something useful!

On the other hand, you don’t want to be under-insured either. This can be devastating for most people. We have seen this to be true in all facets of insurance. For example: the woman who didn’t have maternity coverage on her health insurance, or the man who was the victim of a Hit-and-Run and did not have uninsured motorists coverage.

Cheaper Insurance Isn’t Always Better

Online insurance quotes are a great benchmark of what you will pay based on certain factors that are important, but they don’t necessarily mean its the best option for you. Most insurance quotes are based on a few things such as age, zip code, sometimes gender and even past insurance history. If you need a comprehensive insurance plan, than cheaper isn’t going to be better. You run the risk of leaving gaps in your coverage in any type of insurance when you just get the cheapest plan. This can become costly in the long run if you end up needing more coverage than what you were paying for.

Get the Right Insurance Solution in Place

As always, become an educated consumer first! Once you have all of the facts than you can begin your shopping process. At Insurance Solution Pros, we are a one-stop shop for all of your insurance needs. We are educators first and then we can help you shop the best insurance solutions for you based on your needs and budget. We work with well-known insurance carriers in California and we will be sure to answer all of your questions every step of the way. Our goal is to establish ourselves as your number one source for you and your family’s insurance needs for the long term. We don’t just want to sell you a policy! We will provide true insurance solutions and we will be here to help make the necessary changes as your life changes. Talk to one of our Insurance Pros to get all of your questions answered or to get your free insurance quotes.

Medicare Supplement Insurance Plan F Explained

Medicare Insurance has never been this complicated! With so many changes in Healthcare Reform over the past 18 months, seniors today have to become experts to know which plan is best for them. Will it be around next year? Can I switch if I’m not happy with the benefits? These are all great questions to ask and better yet, know the answer to.

The safest way to go when it comes to your healthcare in your “golden years” is to protect yourself with a Medicare Supplement Plan.This means that the you will have Original Medicare, Parts A & B, as your primary medical insurance. A Medicare Supplement or Medigap plan will cover the cost that Medicare does not cover. This includes co-pays, co-insurance and other expenses.

Medicare Supplements Plan F has recently become the Cadillac choice for seniors today. Essentially it covers almost all of your potential out-of-pocket expenses that Medicare does not. Other plans such as Plan N or Plan G still leave some gaps that could potentially be devastating financially. For this reason the Plan F is your best choice when considering your options of a Medicare Supplement.

The greatest part is that the Plan F is the same no matter which carrier you decide to choose. In any city, county or state – the benefits remain the same! My advice is to shop around and make sure your getting the best price for the plan as each carrier sets their own price for their service. Some carriers even add Silver Sneakers or other health and wellness benefits that other do not, usually at no additional cost.

Now that you have your Supplement insurance squared away, make sure you also procure a Medicare Part D, better known as a Prescription Drug Plan. Neither Medicare nor your supplement plan will cover your monthly prescriptions and it is imperative that you seek the best plan for you based on your needs and budget. If you fail to do so, penalties may be imposed on you later and you will pay a higher rate for as long as you are on Medicare.

Lastly, a common misconception is that when you have a Plan F, regardless of your carrier, you are not bound by their network of providers. Remember, you have Original Medicare as your primary insurance and thus you can see any provider who accepts Medicare! Your supplement just covers the difference, so they don’t care who you have as your Supplement carrier as long as they get paid.

For more information on Medicare Insurance please talk to one of our insurance professionals for updates, news, quotes and online applications.