The insurance world can be very complicated and confusing, especially if it is your first time buying a health insurance policy. Finding the right insurance agent to work with can help to make the process of finding coverage much easier. Keep these tips in mind to help you find the perfect insurance agent that will fit with your needs.
Investing in the right insurance policies is one of the smartest moves you can make with your money, since you will be covered from any disaster. However, choosing the right policies can be much easier said than done. Working with an insurance broker can help to ensure that you find the perfect policies that will meet your specific needs.
While it may seem like bringing another person into the insurance buying equation will lead to much higher costs, the opposite is true. In fact, when you decide to work with the insurance brokers at Sackett & Associates Insurance Services, all of their services are free. Insurance brokers do not work with just one insurance company, they work with many affiliates, which means that you will be able to see the best insurance options for your needs.
There are also many other benefits of working with an insurance broker, including:
Finding the right insurance policies can be stressful and confusing. With all the policies that are available, it can be difficult to make sure that you invest in the right policy for your needs. Working with an independent insurance agent can help to make the process of finding the right policies much easier. There are many benefits of working with an independent agent, including:
Title: The Benefits Of A Broker
How A Health Insurance Broker Can Serve You
If you have spent hours reading the Affordable Care Act website trying to understand what exactly is required of you and are still confused, you might find yourself wishing you could have just one person sit you down and explain it in clear, concise language. Fortunately for you, you can. A health insurance broker is just the person to come alongside you to help you understand and meet your health insurance needs. Here are a few ways a broker can serve you:
For all of your individual insurance and group insurance needs, contact Sackett & Associates Insurance Services in Sonoma County, California. Our team of Affordable Care Act experts is here to navigate the new world of health care on your behalf to ensure you get the coverage you deserve in 2015. Do not hesitate to call us today!
If you are enrolled in Covered California, you need to be working with a Covered California Certified Insurance Agent! Steering through complicated health care laws is enough to cause a headache. Websites can be confusing, and the high enrollment demand may create long holds. These things alone are a great reason to collaborate with an experienced Covered California insurance agent.
These certified agents work pro bono! Their experience and help comes at no cost to you. They can help you with the application process, choosing a plan, and picking your premium. Certified agents have the experience needed to help you through all of the steps as you enroll in Covered California.
Don’t make the health care application process any harder for yourself than it needs to be! Give them a call to take advantage of the valuable, free service.
If you have any questions regarding health insurance, please contact Sackett & Associates Insurance Services, located in Sonoma County! We offer both group and individual insurance, and will be able to find you the policy that best fulfills your needs!
Long term care insurance (LTC) provides valuable financial support when you need it most. If you fall sick or have a major accident or need help taking care of yourself during your elderly years, this coverage provides financial assistance to cover the cost of your care. With LTC insurance, you can face your future with greater peace and security.
LTC coverage helps cover the cost of assisted living for such personal activities as bathing, dressing, eating and getting about. It can also help pay for home health services, housework, meal prep and cleanup, shopping, laundry, pet care and more.
Almost 70% of elderly people age 65 or older are expected to need some form of long term care in their lives. As you grow older and your health deteriorates, it’s not uncommon to need extra help with your care. Obtaining long term care coverage is an investment into your physical care for the future.
Learn more about long term care insurance and costs in Sonoma County, CA, by contacting Sackett & Associates Insurance Services.
Most individuals purchase their life insurance policy, continue to make the necessary premium payments and ultimately forget about it. They most certainly don’t review their policy and make any necessary changes. Unfortunately, this is a huge mistakes. If your policy was purchased a few years ago – or longer – your situation has likely changed since the beginning.
Depending on your situation, your life insurance policy may need to be increased or decreased. For example, if you recently were divorced and no children were involved, you may want to reduce your policy since you don’t have a spouse to keep financially stable once you pass. However, if you recently tied the knot and have a baby on the way, you definitely need to consider increasing your coverage.
If you feel as though you need to update your policy or would like to get a quote from another agency, contact Sackett & Associates Insurance Services in Sonoma County. We will help review your policy and ensure that any life changes are taken care of.
Long term disability insurance is one way in which you can protect your assets for the future. In the event you are injured or develop an illness that prevents you from working long term, disability coverage provides much needed income for you to live on without having to deplete your savings.
Most people do not think twice about acquiring homeowners or car insurance to protect these assets. However, getting disability coverage as you enter your middle age years is just as important as it protects your future savings. Many people try to pad their savings during the last 10-15 years of employment in order to have sufficient funds for their retirement. With disability coverage, you need not worry about an accident or illness putting a damper on your financial plans.
Most insurers have an age limit when it comes to offering disability coverage. By discussing policy options with your insurer today, you’ll have a better idea of what kind of protection you can obtain.
For more information about disability coverage in Sonoma County, CA, contact Sackett & Associates Insurance Services today.
You have a lot of options when it comes to insurance: personal, business, discounted offers, packaged plans, and much more. An independent insurance agent can help you find the right insurance. Here’s a look at some of the benefits of a broker:
1. Your broker keeps tabs on the insurance industry and can monitor trends and innovations.
2. Your broker will review your personal needs, assets and family situation to make sure you have the coverage you need.
3. Your broker can advise you when policies overlap each other, so you don’t pay twice for the same coverage.
4. Your broker can let you know of any gaps in your coverage, especially if you own valuable property or if you have special health needs.
5. Your broker can help you comply with state requirements for auto, personal liability and business insurance.
6. Your broker can answer questions about your insurance coverage as they come up, and advise you on when and how to file a claim.
7. Your broker will keep records of your policies, which you can turn to if your records are damaged or lost.
Sackett & Associates Insurance Services, an independent insurance agency, can guide Sonoma County employers and residents through the complex insurance landscape. To learn more, contact us.
On March 5, 2014, the White House extended the transition policy for cancelled health plans. The change extends to policy years beginning on or before October 1, 2016. As a result, individuals and small businesses are allowed to keep non-ACA compliant coverage into 2017.
Background of the Policy
The original policy was announced in late 2013. At that time, millions of Americans learned their health insurance would be cancelled because it did not comply with the ACA’s reforms. Consumers and Congress voiced their concerns regarding the cancellations, so on November 14, 2013, President Obama announced the transition policy that gave consumers more time, and on March 5, 2014, they extended that for two years for policies beginning on or before October 1, 2016.
The transition relief extension is controlled at the state level. Overall, it states that any policy that has been or will be issued under the transitional relief in 2014 may be renewed through October 1, 2016 and will not be considered out of compliance with the ACA reforms. .
The ACA reforms include:
Life insurance is more important than most people think. Check out these two stories from people who wish they hadn’t waited to get life insurance, so you understand the real importance of life insurance.
I’m Still Waiting for Life Insurance
I thought I understood the importance of life insurance. When I got pregnant with our first child, we knew we were making the right choice to get life insurance. Everything was going perfectly until our medical exams. When the insurance agent got my results, our monthly rates suddenly jumped up to ten times the estimated amount.
It was because my cholesterol was so high: a normal part of pregnancy. The doctor said it could take months after I give birth for them to become normal again, and he was right. It’s been three months since I had our daughter, and I am still waiting for my levels to drop, so we can get life insurance. I should have gotten life insurance before I even thought about getting pregnant.
My Husband Was Right
I always thought life insurance was for older people, not me at age 24, but I should have listened to my husband. When I got pregnant, I was only 24. So when my husband suggested getting life insurance, I thought he was being ridiculous. I said we could wait, but I was wrong.
I was only 26 when his brother showed up at our house with devastating news. My husband had died, and I was left alone with a 9-month old baby and no money to pay for his funeral or support us.
For more information about life insurance in California, contact Sackett & Associates Insurance Services of Sonoma County.
The importance of life insurance cannot be measured by its cost. At the same time, knowing what factors increase life insurance prices can help you avoid the extra expense. Here are a few:
1. Smoking can lead to lung cancer and other respiratory diseases that can contribute to your early demise. For this reason, smokers pay higher life coverage prices.
2. A bad driving record will cause insurers to raise their premium due to increased risk of being involved in a fatal accident.
3. Obesity increases the risk of your dying from a number of health problems. As such, you can expect to pay more for life coverage.
4. Chronic depression can easily lead to suicide, even if you’re on medication, prompting insurers to raise your life premium prices.
5. A family history of hereditary diseases such as diabetes, cancer, cardiovascular problems, etc., that can lead to an early death will result in your paying more for life coverage.
To learn more about how you can benefit from quality life insurance coverage at reasonable costs in Sonoma County, contact Sackett & Associates Insurance Services.
Many people are aware of the argument that life insurance should be purchased for the benefit of their children or spouse. There are, however, some surprising reasons for the importance of life insurance that are often overlooked.
The ones who will rely most on your life insurance policy are those who will either end up having to pay for your expenses or who depend on you for financial support. If you have cosigners on any loans, the policy will ensure that your debts don’t end up in their laps. Another thing life insurance can do is provide for the continued care of sick or disabled people in your life or cover assisted living expenses for your elderly parents.
Businesspeople who are in joint ventures may want to get life insurance to help smooth the transition after your passing. The policy can make it easier for your partners to buy out your share.
These are just some of the surprising reasons to buy life insurance. To get the policy that will suit your budget and needs, please contact Sackett & Associates Insurance Services located in Sonoma County.
State health insurance marketplaces have been open since last October as part of the Affordable Care Act. The marketplace offers a variety of different ways to enroll in an individual health insurance plan. Though you can go online and sort through all of the different plans yourself, a Covered California certified agent can help you find the plan that works best for your health insurance needs.
Why should you use a certified Covered California agent? Let’s take a look at some of the reasons:
For more information about your health insurance needs in the Sonoma County area contact Sackett & Associates Insurance Services.
According to NBC News, Government officials announced this week that three million people have now signed up for the historic Affordable Care Act. While this figure does fall significantly short of earlier projections made by the administration, it is something that ACA advocates can celebrate, especially given the fact that the law was not an easy one to pass and the ACA’s website has certainly been off to a bumpy start.
Even so, there are still many people in the United States who do not have health insurance. While the debate rages on as to whether the ACA is good for Americans or not, the fact remains that having health insurance can enable a person to get proper medical care as well and when needed, including in situations that could potentially be life-threatening.
Those who are not familiar with their insurance options may want to consider contacting Sackett & Associates Insurance Services. This certified agent, serving Sonoma County and surrounding areas, offers group and individuals service and makes it easy for individuals to get top quality service at a good price.
It is fitting that during the month we all celebrate Valentine’s Day, we should also be concerned about heart health. This year, instead of buying chocolates and celebrating with slogans on candied hearts, it might be wise to adopt a healthy living style and resolve to join the effort to curb the high incidence of heart disease in this country.
The statistics are sobering. Heart disease is the leading cause of death in America. The good news, however, is that for as many factors that can contribute to heart disease, there are numerous actions each individual can take to decrease those risks. American Heart Month offers the perfect opportunity to consult with your doctor, to learn about risks, and to resolve to change your habits, if necessary.
Diet and proper nutrition, a regular exercise program, awareness of hereditary factors and risks associated with other medical conditions, relieving stress and ensuring beneficial patterns of activity and regular sleep: All contribute to a lifestyle which can reduce the risks.
Health insurance is also something you should consider. And this month would be a good time to request a quote from the professionals at Sackett & Associates Insurance Services to ensure that your coverage will protect you in case of emergency. Call us for an appointment; we make house calls as well as scheduling business visits.
Whether you are searching for an individual health insurance plan or a small group health insurance plan, a certified Covered California agent, such as Sackett & Associates, can help you navigate through the process with ease. A certified agent is trained on the latest health care options and has a full understanding of how the health insurance process works. These are just a few of the many benefits to using a certified agent.
Certified Covered California agents provide value to your insurance process by offering health care options from multiple carriers, offering competitive plans for both individual and small business. You will receive quotes on multiple health care plans that fit your personal needs.
Agents use secure, online systems while processing your eligibility and enrollment applications. Ensuring your personal information is safe throughout the process.
Finally, agents are dedicated to customer service and sales support, making them experts in their area of service.
For more information about finding the right health insurance plan for your needs in the Sonoma County area contact Sackett & Associates Insurance. Our certified agents are ready to help you.
Signing up for health insurance is important, both because it’s good to be protected in case you have an accident or illness, and because health insurance is now a requirement for most Americans. Getting the right policy, though, can be confusing. That’s why you need a broker to provide you with information on the policies available to you and help you choose the one that’s going to work the best for you and your family.
You can choose a policy on your own, but having an advocate in your corner means you’re a lot more likely to get an insurance policy that will be everything you need. The deductible matters, but so do your co-pays, the total coverage amount per year and for a lifetime, and other factors. With a broker, all of that can be explained to you so there’s no guesswork – just peace of mind.
For more information on health insurance exchanges and how a broker can help you in the Sonoma County, CA area, contact Sackett & Associates Insurance today.
When you’re looking for someone to handle your health insurance needs, it’s very important to get a broker who can provide you with the coverage you want for a price you can afford. That’s why certified brokers for Covered California are so important. We’re certified, so we can give you want you need and make sure you have the right policy.
Whether it’s just for you or you need to cover other family members, you don’t want to take the chance on signing up through a company that might sell you a policy that just isn’t right for you. Insurance is very important, and it’s not something you can change after the fact. You need to be sure you have the right coverage in place before you need to use it, and we can help provide you with that peace of mind.
For more information on Covered California and certified brokers for health insurance in the Sonoma County, CA area, contact Sackett & Associates Insurance today.
A common mistake people make is looking for small group health insurance or individual health insurance on their own. Going to a private agent limits the choices you have but working with an insurance broker that works for you makes a world of difference. Many agents work for insurance companies but Sackett & Associates works directly for clients to find the best coverage at reasonable prices.
Quality small group health insurance is not easy to find and providers do not offer lower prices directly to clients. Certified Covered California agents get reasonable prices and help many people save money on small groups or individual health insurance. When it comes to coverage, agents with extensive experience and a good reputation get the deals you cannot find on your own. Convenience is never a problem because Sackett & Associates make business and house calls to local clients.
A certified covered California broker searches through all the big insurance providers to find the best policy for your individual health insurance needs that is more affordable. Avoid wasting your time with amateur brokers and learn the difference in working with an insurance broker like Sackett & Associates in Sonoma County, CA and neighboring areas.
If you are like many small businesses, you may have questions about the Small Business Health Options Program (SHOP) – and you may be specifically wondering if you will qualify for tax credits through SHOP. This is a tax credit that is only available if you purchase your small group health insurance through the SHOP marketplace.
If you are a business that employs fewer than 25 full-time equivalent workers who earn a yearly average of less than $50,000, your business may qualify for employer health care tax credits. While you don’t need to offer insurance coverage to your part-time employees or their dependents, you do need to be paying at least 50% toward your full-time employees’ premiums in order to qualify for the Small Business Health Care Tax Credit.
The tax credit offers higher benefits for smaller businesses – those with less than 10 employees being paid $25,000 or less on average — the smaller your business, the larger the credit. For example, for a business with 10 employees and $250,000 in wages, with an employer contribution of $70,000 toward employee premiums, the tax credit would amount to $35,000, or 50% of the employer contribution. Your tax advisor can help you determine your specific tax credit.
For more information about the benefits of buying small group health insurance through a broker, or to find out if you qualify for the small business health care tax credit, contact Sackett & Associates Insurance Services.