When you read an article talking about types of health plans, you might think we mean HMO or PPO. Most people think of health insurance as the major medical plan that their employer provides, but it also includes dental, vision, prescription drug plans, etc. Infinity Insurance Group offers an array of plan types to help you cover your medical care in Post Falls, ID.

Supplemental Health Plans

Supplemental health plans include any type of excess insurance or secondary coverage. Supplemental Medicare coverage that provides for doctor’s visits or prescription coverage counts as health insurance. When you add vision coverage or a dental plan to your health insurance package, the insurance industry also considers this health coverage.

Sometimes, an individual may add a second health plan that provides major medical coverage. This may be because their workplace plan lacks the coverage they need or so they can access added coverage limits for hospitalization. Although rare, Infinity Insurance Group can help you obtain a second full policy.

Other Types of Health Coverage

Long-term care (LTC) coverage also counts as health coverage. It provides for long-term hospitalization or rehabilitative care at a residential facility. You can purchase this type of secondary policy with a primary health insurance policy.

Contact Our Office Today

Contact Infinity Insurance Group serving Post Falls, ID to review your health insurance plan. Discuss your concerns, such as ensuring that your children won’t need to try to care for you in old age. LTC insurance can cover that. Let us know what your employer’s plan covers, and we can help you fill in what’s missing, like dental coverage. Call us today to get started.

In Post Falls, ID, no law states boat owners must have boat insurance. However, it is wise to look into whether the boat is on or off the water. The point of getting insurance is to handle the cost of replacements or repairs in the event of accidents or damaging misfortunes. 

Boats are not cheap and are a prize possession for their owners. Companies like Infinity Insurance Group can create policies to protect those prized possessions. The underwriters can specify scenarios that favor boats on and off the water.

Protection for Boats On the Water

On the water, the Coast Guard reported over 4,000 boating accidents in 2022. Since it is optional for boat owners in Idaho to have boat insurance, all damages from accidents are at the owners’ expense if they do not have it. 

Some companies that finance boats may require the owners to get insurance to protect the collateral. Having boat insurance can cover the owner from most out-of-pocket costs in an on-the-water accident.

Protection for Boats Off the Water

Things can become tricky when it comes to off-the-water damage to a boat. If the boat sits idle on the owner’s property, the property insurance may or may not cover damages. The same applies to the boat attached to the trailers on the vehicles if an accident occurs. There is only one positive answer if damage occurs to a boat off the water: to check with the insurance company policy.

Infinity Insurance Group Can Help

Every situation is different and requires inquiries into the details of coverage. Never assume a situation that is covered. The only sure way to know is to speak with us at Infinity Insurance Group, serving the Post Falls, ID area. Call us today and find out more information. 

When it comes to picking a health insurance plan, you might think all you need to compare are deductibles and premiums. The truth is, there are actually a lot of different types of benefits offered by different companies. Being aware of some of the benefits can help you make the insurance choice that is right for your family. At Infinity Insurance Group, serving Post Falls, ID and the surrounding area, we are here to help you make solid insurance choices.

Here are some health insurance benefits you might be unaware of:

Gym Memberships

Insurance companies know that to keep insurance and health care costs low individuals need to take personal responsibility for their health. This includes preventative steps such as staying active on a weekly basis. This is why many health insurance plans today are offering free or discounted gym memberships for clients. This is a great way to stay on top of your personal health and save money. 

Kids Programs

Another important aspect of health is to ensure that children are getting the activities and socialization they need. This is why some health insurance programs offer free or discounted memberships to kids programs. These can include Boys and Girls Clubs of America, YMCA programs, and even certain sporting programs. Be sure to check out great hidden benefits such as these when comparing plans. 

Mail Order Perscriptions 

Mail-order prescriptions are a great way to simplify your life and always ensure you have your meds when you need them. Many health insurance plans offer free or discounted mail-order prescription services. 

Give Us A Call

If you would like to learn more about health insurance, please contact us at Infinity Insurance Group serving Post Falls, ID and the surrounding areas. We will be happy to help you today.

Unless your job provides you with health insurance, you either purchase your policy during the open enrollment period or when a qualifying event occurs. Infinity Insurance Group wants you to fully understand your insurance options, so you can obtain the coverage you need.

When Can I Buy Health Insurance?

When You Start a New Job

When a new employer hires you, it provides health insurance through a group plan. You’ll typically have the same insurance plan as every employee at your place of business. The number of people covered by your policy varies. If you’re single, it only covers you. If you’re married or have children, you can typically add your spouse and/or your children to your health insurance policy. When you start your job, your employer provides the insurance paperwork that you must complete and submit by the due date. Signing up for your policy comprises one element of your onboarding process.

Open Enrollment

While the exact dates for open enrollment vary from week to week, typically, the US holds this during November, December, and the first two weeks of January. For the coverage year 2023, open enrollment begins on November 1, 2022, and ends on January 15, 2023. If your Post Falls, ID employer doesn’t offer health insurance because you’re a part-time employee or the business employs too few people to require it, you can sign up for insurance during open enrollment.

Qualifying Events

Perhaps your employer fired you or you got laid off. That ended your employer-provided health insurance. However, you don’t have to wait until November to purchase insurance because losing your existing health coverage qualifies as an event that lets you register for a plan at the time of the event. Even if you lose your job during the month of June, you get to purchase your health insurance policy in June. Other events that qualify you for a Special Enrollment Period that only applies to you, include marriage, pregnancy, delivering a baby, and adoption.

Medicaid and CHIP

The government-provided health insurance programs of Medicaid and Children’s Health Insurance Program (CHIP) offer running open enrollment. That means you can apply for either program for which you qualify at any time of the year.

Contact Infinity Insurance Group Today

Let Infinity Insurance Group help you obtain the health insurance you need. Call us, email us, or visit us at our offices. We offer health insurance that can help Post Falls, ID residents stay healthier.