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Missouri Health Insurance

Hometown Benefits Group — Mon, 31 Aug 2009 01:03:12 +0000

How do I pick a health plan?

[sniplet agencyName] can help you decide…

Whether your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.

Here are some questions you should ask yourself when choosing a health insurance plan:

How affordable is the cost of care?

* What is the monthly premium I will have to pay?
* Should I try to insure most of my medical expenses or just the large ones?
* What deductibles will I have to pay out-of-pocket before insurance starts to reimburse me?
* After I have met my deductible, what percentage of my medical expenses are reimbursed?
* How much less am I reimbursed if I use doctors outside the insurance company’s network?

Does the insurance plan cover the services I am likely to use?

* Are the doctors, hospitals, laboratories and other medical providers that I use in the insurance company’s network?
* If I want to use a doctor outside the network, will the plan permit it?
* How easily can I change primary-care physicians if I want to?
* Do I need to get permission before I see a medical specialist?
* What are the procedures for getting care and being reimbursed in an emergency situation, both at home or out of town?
* If I have a preexisting medical condition, will the plan cover it?
* If I have a chronic condition such as asthma, cancer, AIDS or alcoholism, how will the plan treat it?
* Are the prescription medicines that I use covered by the plan?
* Does the plan reimburse alternative medical therapies such as acupuncture or chiropractic treatment?
* Does the plan cover the costs of delivering a baby?

Contact [sniplet agencyName] agency for help with your health plan!

Missouri Life Insurance

Hometown Benefits Group — Mon, 31 Aug 2009 00:50:20 +0000

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Missouri Auto Insurance

Hometown Benefits Group — Sun, 30 Aug 2009 23:44:36 +0000

Discounts At Every Turn

We offer several discounts to save money on your policy. Be sure to review these with the drivers in your household and take advantage of the many discounts that may be appropriate for you, including:

Excellent Driver. Rewards you for years of claim-free driving.
Multi-Car. Additional savings when you insure multiple cars with many carriers.
Anti-Theft & Safety Devices. Alarms, airbags and more can both protect you and your vehicle – and reduce your premium.
Automatic Payment.Additional discounts are often available when you enroll in automatic payment plans or payroll deduction plans through your employer.
Age 65 & Older. Even more savings for those aged 65 and better.
Good Student. Students licensed fewer than six years who provide proof of their “good student” status qualify for a 10 percent discount.

Obviously no one ever wants to have to file an insurance claim but you can rest assured that if and when you do, we’ll be available to help expedite the filing process so you can get on with your life.

We’ve been providing insurance solutions tailored to meet our clients’ unique needs for XX years. Let us tailor a package that’s right for you. Contact us to schedule your no-cost, no-obligation consultation today.

Missouri Homeowners Insurance

Hometown Benefits Group — Sun, 30 Aug 2009 22:52:00 +0000

Keeping Your Home Safe

One of the most important parts of your homeowners policy is the liability coverage, in the event that a person is injured while on your property. In today’s litigious environment, taking every precaution to prevent injury around the home is more critical than ever. Outside the home, keep all pruning tools, hoses, and gardening implements stored out of harms way. Make sure all walkways are properly lit and free of obstacles. Inspect your home after repairmen have been on the premises, assuring they have not left equipment out. Installing lighting, security alarms, and other equipment can help keep you free of litigious exposure and also lower your homeowners insurance expenses.

Missouri Dental Insurance

Hometown Benefits Group — Sun, 30 Aug 2009 21:03:06 +0000

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Missouri Group Insurance

Hometown Benefits Group — Sun, 30 Aug 2009 20:04:37 +0000

Shopping for group insurance has never been easier or more convenient. We offer a wide selection of the biggest and best names in the business. With hundreds of group insurance plans in our nationwide database, you’re certain to find a plan that will offer you the most value for your insurance dollar.