Rancho Mirage Business, Commercial, Auto, Home, Life and Health Insurance
Rancho Mirage, CA
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October 6, 2019
October 1, 2019
What time is it?
Yes, That’s Right It’s Medicare Open Enrollment –
Oct 15– Dec 7
As always, it is my pleasure to assist you in determining which Medicare Advantage Health Plan as well as Prescription Drug Plans best meets your needs. I have spent the last three months, taking certification testing from each carrier I represent. Once certified, I have attended training meetings sponsored by the various plans to learn about what is new for 2020. Now, as your licensed health plan advisor, I am ready to assist you with your plan changes and answer your questions.
You will be receiving an'Annual Notice of Change' from your current carrier explaining the new plan benefits and/or changes. The notice will help you decide to stay or change. If you are happy with your current benefits and carrier you do not need to do anything. You will maintain your current plan and carrier effective January 1, 2020. Also review the formulary to make sure your prescription drugs are still covered and what Tier level they are on.
Call me at 760-770-2827 or email at [email protected] to schedule your consultation . There are a lot of changes coming for 2020!
Thank you for allowing me to be your agent of choice! I appreciate your business and value the relationship I have with you. I am committed to making sure you are in a health or drug plan that best meets your needs.
PS: Feel free to share my contact information with friends or family if they need help with their Medicare plan choices. You are welcome to forward this newsletter to them if you like.
NOTE: For those who have the Aetna Choice PPO advantage plan, it is very important to schedule time with me to review your NEW choices as that plan will no longer be available for 2020!
“God has a plan, but insurance is a good backup!”
September 18, 2019
September 16, 2019
September 6, 2019
When it comes to purchasing insurance, just about everyone thinks to get auto insurance if they drive a vehicle, but there are things that people don’t think to insure. While homeowner’s insurance policies typically provide protection for the actual structure, they can also provide coverage for renters, for sporting equipment, expensive jewelry, expensive watches, silverware, firearms, currency, expensive electronics or computer equipment, outdoor furniture (grill, patio/lawn furniture, etc.), and watercraft and trailers. It is very important to know what is covered (and to what extent) and what is not covered.
Many people who own condominiums don’t realize that the commercial policy that covers the common property and structure doesn’t cover their individual unit or contents. This means that if there is a loss covered under the commercial policy, and the exterior of the building is damaged, along with the contents and interior walls of the individual condominium unit, there will only be covered for the actual building and the shared or common areas. Contents and interior walls and floors can be covered by a homeowner’s policy designed for individual condominium units.
Even if you are renting and don’t own your home, you can still purchase an insurance policy for your personal belongings and also to protect you against liability claims. If you have a renter’s insurance policy and you suffer a loss or damage to your belongings caused by theft, vandalism, fire/smoke, or water damage, there will most likely be covered for the loss (less the deductible and subject to the sub-limits that apply to certain types of belongings). Additionally, if someone is injured on your property and they attempt to collect reimbursement for medical bills or attempt to sue you for negligence, your renter’s policy will provide liability coverage up to your policy’s limits.
Sub-Limits of Personal Property/Contents
Many people who have homeowner’s insurance believe that if they suffer a loss or damage to their contents and belongings, that everything will simply be covered. Many people aren’t familiar with their policy’s sub-limits for personal property covered on their policy. Depending on the type of personal property, there will often be limits to the dollar amount of coverage for particular types of personal property. For example, since items such as jewelry, watches, and computer equipment can range so greatly in value, there will be limits to the amount of coverage provided per piece and per category. There might be a $1,000 per piece limit on jewelry and a $2,500 limit for the jewelry category. For computers, there might be a $2,500 per computer limit and a $5,000 limit for the computer category. Because of such limits, you may want to request coverage increases for items such as jewelry or computers that you believe have values that exceed the limits provided by your policy.
There are many things that insurance does cover, but if you are unsure about what is covered and what is not covered under your policy, it is best to speak with a licensed insurance agent, who can explain your current coverage and help you obtain additional coverage if necessary.