This agency serves:
The internet is a wonderful tool. A great way to
familiarize yourself with product availability and costs. But not all the
answers can be found in a brochure or with the quotes. An experienced
agent can explain what is and is not covered, make recommendations and help get
your policy issued. Please call, you'll be glad you did.
Please call for a free quote and consultation. (302)
477-1557 We’ll help you find a plan
that meets your needs at a price you can afford.
Comprehensive Benefit Rich
Programs:
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Doctor Copays as low as $10. |
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Prescription Drug Copays as low as $15 |
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Vision & Chiropractic |
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Hospital / Surgical Deductibles available [ Zero, $250, $500 or $1000] |
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PPO Networks
available; |
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$2 Million to $8 Million per person Coverage |
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Deductibles from $1,000 to $10,000 Available |
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Single or Family Deductibles Available |
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Coinsurance options of 100%, 80/20 or 50/50 plans Available |
What
is a “Copay”?
If you elect a doctor Copay plan, you do
not have to meet your deductible for office visits. Simply pay the designated Copay at time of
service. Some plans include a Copay for prescriptions and eye exams as well.
What
is a “Deductible”?
Not including Copays, a deductible is the
amount of medical expenses the insured is responsible for before the
“Coinsurance” kicks in. Deductibles are
usually per person per calendar year. HSA plans, however, have a single
deductible for the entire family.
(Most plans have a maximum of 2 deductibles per family. That means if 2
members meet the deductible, the others are waived. )
What
is “Coinsurance”?
Coinsurance is the point where you and the
insurance company share the expenses. It is usually applied after you have met
your calendar year deductible. For example, an 80/20 of $5,000, you would pay
20% of the first $5,000 in charges ($1000) then the company pays 100% of the
charges above $5,000. This limits your risks. The $1000 is often called a
stop-loss or maximum out of pocket.
If you elect a 100% coinsurance, you do
not have to share in the cost of expense after the deductible. You go straight to 100%.
Would you like to have ZERO deductible and NO coinsurance out of pocket?
By purchasing a higher deductible plan and
adding our “Bridge” plan, you still save premium and have virtually 100%
coverage.
Call for more information on “Bridge” or “Gap”
insurance.
On-Line
quoting and enrollment. Our 4 best carriers.
<
Print
this form > ALHDIA Request for Quotes Sheet for quotes by fax.
A note to the consumer:
The internet is a wonderful tool. A great way to
familiarize yourself with product availability and costs. But not all the
answers can be found in a brochure or with the quotes. An experienced
agent can explain what is and is not covered, make recommendations and help get
your policy issued. Please call, you'll be glad you did.