Insurance

Flood Insurance: Protecting Your Home and Family

Flood Insurance: Protecting Your Home and Family

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Flood Insurance | Start a Quote Today!

As a homeowner, you know that your home is one of the most important investments
you will ever make. It is where you and your family live, where you create memories, and
where you feel safe and secure. However, your home is also vulnerable to natural
disasters such as flooding, which can cause significant damage and financial loss. That
is why it is essential to have flood insurance as part of your home insurance policy.
Home Insurance Flooding

Many homeowners assume that their home insurance policy covers flooding, but this is
not always the case. Most standard home insurance policies do not cover flood
damage, which means that if your home is damaged by flooding, you will have to pay for
the repairs out of your own pocket. This can be a significant financial burden, especially
if the damage is extensive.

Rain Storms

Rain storms can cause significant flooding, even in areas that are not considered
high-risk flood zones. It is important to remember that flood insurance covers damage
caused by any type of flooding, not just from rivers and lakes. This means that even if
your home is not located near a body of water, you may still be at risk for flooding during
a rainstorm.

Home Flood Insurance Quote

To protect your home and family from the financial impact of flooding, you need to have
flood insurance. Flood insurance is a separate policy that covers damage caused by
flooding. It is important to note that flood insurance is not included in your standard
home insurance policy, and you will need to purchase it separately.

Home and Flood Insurance

Flood insurance can be purchased as a standalone policy or as an add-on to your
existing home insurance policy. If you live in an area that is prone to flooding, it is
recommended that you purchase flood insurance as an add-on to your home insurance
policy. This will ensure that you have comprehensive coverage for all types of damage,
including flooding.

Homeowners Insurance with Flood Coverage

If you are purchasing a new home, it is important to consider flood insurance as part of
your home insurance policy. Many mortgage lenders require homeowners to have flood
insurance if they live in a high-risk flood zone. Even if you do not live in a high-risk flood
zone, it is still a good idea to have flood insurance to protect your home and family from
unexpected flooding.

Flood Insurance Quote

If you are interested in purchasing flood insurance, it is important to get a quote from a
reputable insurance agency. Shield Insurance Agency represents over 40 insurance
companies, which means that we can provide you with a variety of options for flood
insurance coverage. Our experienced agents can help you find the right policy to meet
your needs and budget.

Protection for Your Family and Home

Flood insurance provides protection for your family and home in the event of a flood. It
can cover damage to your home, personal belongings, and even living expenses if you
are forced to evacuate your home due to flooding. This can provide peace of mind
knowing that you and your family are protected in the event of a natural disaster.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we understand the importance of protecting your home and
family from unexpected events such as flooding. That is why we represent over 40
insurance companies, so we can provide you with a variety of options for flood
insurance coverage. Our experienced agents can help you find the right policy to meet
your needs and budget.

Contact Shield Insurance Agency at (616) 896-4600 for a Free Quote Today
If you are interested in purchasing flood insurance, contact Shield Insurance Agency
today for a free quote. Our experienced agents can help you find the right policy to meet
your needs and budget. Protect your home and family from the financial impact of
flooding with flood insurance from Shield Insurance Agency.

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Disability insurance is a type of insurance that provides financial protection to individuals who are unable to work due to an injury or illness.

Disability Insurance: Protecting Your Income and Future

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Disability Insurance | Start a Quote Today!

Disability insurance is a type of insurance that provides financial protection to individuals who are unable to work due to an injury or illness. It is designed to replace a portion of your income if you become disabled and are unable to work for an extended period of time. Disability insurance coverage can be purchased as a short-term or long-term policy, depending on your needs.

Term Disability Insurance

Short-term disability insurance provides coverage for a limited period of time, typically up to six months. This type of policy is designed to provide financial support during the initial stages of a disability, such as recovery from surgery or an illness. Short-term disability insurance can help cover expenses such as medical bills, mortgage payments, and other living expenses.

Long-term disability insurance provides coverage for a longer period of time, typically up to several years or until retirement age. This type of policy is designed to provide financial support for individuals who are unable to work for an extended period of time due to a disability. Long-term disability insurance can help cover expenses such as medical bills, mortgage payments, and other living expenses.

Disability Insurance Coverage

Disability insurance coverage can vary depending on the policy and the insurance company. Some policies may cover only specific types of disabilities, while others may cover any disability that prevents you from working. It is important to carefully review the policy and understand the coverage before purchasing disability insurance.

Some disability insurance policies may also offer additional benefits, such as rehabilitation services, vocational training, and survivor benefits. These benefits can help individuals recover from a disability and return to work, or provide financial support to their loved ones in the event of their death.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we understand the importance of protecting your income and future. That’s why we offer disability insurance coverage from over 40 insurance companies. Our experienced agents can help you find the right policy to meet your needs and budget.

We work with top-rated insurance companies to provide our clients with the best possible coverage at competitive rates. Our agents are knowledgeable about the different types of disability insurance policies and can help you understand the coverage options available to you.

Contact Shield Insurance Agency at (616) 896-4600 for a Free Quote Today

If you are interested in purchasing disability insurance coverage, contact Shield Insurance Agency today for a free quote. Our agents can help you find the right policy to meet your needs and budget. We are committed to providing our clients with the best possible service and support, and we look forward to helping you protect your income and future.

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The History of Memorial Day

The History of Memorial Day

Posted on by Shield Insurance Agency

HISTORY.COM | APRIL 20, 2023 | Memorial Day | Shield Insurance Agency | Start A Quote Today!

The Birthplace of Memorial Day and Early Observances

The Civil War, which ended in the spring of 1865, claimed more lives than any conflict
in U.S. history and required the establishment of the country’s first national
cemeteries.

By the late 1860s, Americans in various towns and cities had begun holding
springtime tributes to these countless fallen soldiers, decorating their graves with
flowers and reciting prayers.

It is unclear where exactly this tradition originated; numerous different communities
may have independently initiated the memorial gatherings. And some records show
that one of the earliest Memorial Day commemorations was organized by a group of
formerly enslaved people in Charleston, South Carolina less than a month after the
Confederacy surrendered in 1865. Nevertheless, in 1966 the federal government
declared Waterloo, New York, the official birthplace of Memorial Day.

Waterloo—which first celebrated the day on May 5, 1866—was chosen because it
hosted an annual, community-wide event, during which businesses closed and
residents decorated the graves of soldiers with flowers and flags.

Did you know? Each year on Memorial Day a national moment of remembrance takes place at 3:00 p.m. local time.

Decoration Day

On May 5, 1868, General John A. Logan, leader of an organization for Northern Civil War veterans, called for a nationwide day of remembrance later that month. “The 30th of May, 1868, is designated for the purpose of strewing with flowers, or otherwise decorating the graves of comrades who died in defense of their country during the late rebellion, and whose bodies now lie in almost every city, village and hamlet churchyard in the land,” he proclaimed.

The date of Decoration Day, as he called it, was chosen because it wasn’t the anniversary of any particular battle.

On the first Decoration Day, General James Garfield made a speech at Arlington National Cemetery, and 5,000 participants decorated the graves of the 20,000 Civil War soldiers buried there.

Many Northern states held similar commemorative events and reprised the tradition in subsequent years; by 1890 each one had made Decoration Day an official state holiday. Southern states, on the other hand, continued to honor the dead on separate days until after World War I.

History of Memorial Day

Memorial Day, as Decoration Day gradually came to be known, originally honored only those lost while fighting in the Civil War. But during World War I the United States found itself embroiled in another major conflict, and the holiday evolved to commemorate American military personnel who died in all wars, including World War II, The Vietnam War, The Korean War and the wars in Iraq and Afghanistan.

For decades, Memorial Day continued to be observed on May 30, the date General Logan had selected for the first Decoration Day. But in 1968, Congress passed the Uniform Monday Holiday Act, which established Memorial Day as the last Monday in May in order to create a three-day weekend for federal employees. The change went into effect in 1971. The same law also declared Memorial Day a federal holiday.

Memorial Day Traditions and Rituals 

Cities and towns across the United States host Memorial Day parades each year, often incorporating military personnel and members of veterans’ organizations. Some of the largest parades take place in Chicago, New York and Washington, D.C.

Americans also observe Memorial Day by visiting cemeteries and memorials. Some people wear a red poppy in remembrance of those fallen in war—a tradition that began with a World War I poem. On a less somber note, many people take weekend trips or throw parties and barbecues on the holiday, perhaps because Memorial Day weekend—the long weekend comprising the Saturday and Sunday before Memorial Day and Memorial Day itself—unofficially marks the beginning of summer.

Visit History.com for the full story and some great photos

Click here for the full story…

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Medicare is the federal health insurance program

What is Medicare and How Does It Work?

Posted on by Shield Insurance Agency

Medicare.gov | May 2023 | Health Insurance | Contact Briana to get started!

Medicare is the federal health insurance program for:

  • People who are 65 or older
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

What are the parts of Medicare?

The different parts of Medicare help cover specific services:

  • Medicare Part A (Hospital Insurance)
    Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
  • Medicare Part B (Medical Insurance)
    Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
  • Medicare Part D (prescription drug coverage)
    Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

Part A & Part B Premiums

Most people don’t pay a monthly premium for Part A.

You usually don’t pay a monthly premium for Part A if you or your spouse paid Medicare taxes while working for a certain amount of time. This is sometimes called “premium-free Part A.”

Learn more about premium-free Part A.

If you don’t qualify for premium-free Part A, you can buy Part A.

If you aren’t eligible for premium-free Part A, you may be able to buy Part A. You’ll pay up to $506 each month in 2023. If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $506. If you paid Medicare taxes for 30–39 quarters, the standard Part A premium is $278.

Learn more about Part A premiums.

Everyone pays a monthly premium for Part B.

Most people will pay the standard Part B premium amount. The standard Part B premium amount in 2023 is $164.90. If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you’ll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.

Learn more about Part B premiums.

How does Medicare work?

With Medicare, you have options in how you get your coverage. Once you enroll, you’ll need to decide how you’ll get your Medicare coverage.

There are 2 main ways:

Original Medicare

Original Medicare includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). You pay for services as you get them. When you get services, you’ll pay a deductible at the start of each year, and you usually pay 20% of the cost of the Medicare-approved service, called coinsurance. If you want drug coverage, you can add a separate drug plan (Part D).

Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like copayments, coinsurance, and deductibles. Some Medigap policies also cover services that Original Medicare doesn’t cover, like emergency medical care when you travel outside the U.S.

Learn the general rules for how Original Medicare works.

Medicare Advantage

Medicare Advantage is Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D. Plans may offer some extra benefits that Original Medicare doesn’t cover — like vision, hearing, and dental services. Medicare Advantage Plans have yearly contracts with Medicare and must follow Medicare’s coverage rules. The plan must notify you about any changes before the start of the next enrollment year.

Learn about the types of Medicare Advantage Plans.

Each Medicare Advantage Plan can charge different out-of-pocket costs. They can also have different rules for how you get services.

Contact Briana to get started and ask any questions!

Click here for the full explanation of Medicare

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Event Insurance for those Special Occasions

Event Insurance for those Special Occasions

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Event Insurance | Start a Quote here!

Planning an event can be a daunting task, especially when it comes to ensuring that everything
runs smoothly and safely. One of the most important aspects of event planning is obtaining the
right insurance coverage. Event insurance is designed to protect you and your guests from any
unforeseen accidents or incidents that may occur during the event. In this blog post, we will
discuss the different types of event insurance available, including event general liability
insurance, one-day event insurance, and special event insurance.

Event General Liability Insurance

Event general liability insurance is a type of insurance that provides coverage for bodily injury
and property damage that may occur during an event. This type of insurance is essential for any
event, as accidents can happen at any time. For example, if a guest slips and falls on a wet
floor, event general liability insurance would cover any medical expenses or legal fees that may
arise from the incident.

Cheapest One-Day Event Insurance

If you are planning a one-day event, such as a birthday party or a small wedding, you may be
looking for the cheapest one-day event insurance available. One-day event insurance is
designed to provide coverage for a single day and is typically less expensive than other types of
event insurance. However, it is important to note that the cheapest one-day event insurance
may not provide the same level of coverage as other types of insurance. It is important to carefully review the policy and ensure that it provides adequate coverage for your event.

Best Event Insurance

When it comes to finding the best event insurance, there are a few factors to consider. First, you
will want to ensure that the insurance policy provides adequate coverage for your event. This
may include coverage for bodily injury, property damage, and other types of incidents that may
occur during the event. Additionally, you will want to consider the cost of the insurance policy, as
well as the reputation of the insurance provider. It is important to choose an insurance provider
that has a strong track record of providing quality coverage and excellent customer service.


1 Day Event Insurance

As mentioned earlier, one-day event insurance is designed to provide coverage for a single day.
This type of insurance is ideal for small events, such as birthday parties, family reunions, and
other gatherings. One-day event insurance typically provides coverage for bodily injury, property
damage, and other types of incidents that may occur during the event. It is important to carefully
review the policy and ensure that it provides adequate coverage for your event.

Special Event Insurance

Special event insurance is designed to provide coverage for larger events, such as concerts,
festivals, and other large gatherings. This type of insurance typically provides coverage for
bodily injury, property damage, and other types of incidents that may occur during the event.
Special event insurance may also provide coverage for cancellation or postponement of the
event due to unforeseen circumstances, such as severe weather or a natural disaster.

Event Liability Insurance
Event liability insurance is a type of insurance that provides coverage for liability claims that may
arise from an event. This type of insurance is essential for any event, as accidents can happen
at any time. For example, if a guest is injured during the event and files a lawsuit against the
event organizer, event liability insurance would cover any legal fees or damages that may arise
from the lawsuit.

Shield Insurance Agency Represents Over 40 Insurance Companies
If you are in need of event insurance, it is important to choose an insurance provider that has a
strong track record of providing quality coverage and excellent customer service. Shield
Insurance Agency represents over 40 insurance companies and can help you find the right
insurance policy for your event. Our experienced agents can help you navigate the complex
world of event insurance, and ensure that you have the coverage you need to protect yourself
and your guests.

Contact Shield Insurance Agency at (616) 896-4600 for a Free Quote Today
If you are in need of event insurance, contact Shield Insurance Agency at (616) 896-4600 for a
free quote today. Our experienced agents can help you find the right insurance policy for your
event, and ensure that you have the coverage you need to protect yourself and your guests.
Don’t leave the safety of your event to chance – contact Shield Insurance Agency today and get
the coverage you need.

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Learn About the Federal No Surprises Act

Learn About the Federal No Surprises Act

Posted on by Shield Insurance Agency

Federal No Surprises Act | Health Insurance | No Surprises | Contact Brianna for assistance

Transparency in Health Care

In October 2020, the federal government issued the “transparency in coverage” final rule under the Federal No Surprises Act. The rule provides protection against balance or “surprise” billing under certain circumstances, and phases in new transparency requirements on most group health plans and health insurers. The purpose of the requirements is to enable consumers to make informed healthcare purchasing decisions.

What is “balance billing” (sometimes called “billing surprises”)?

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a healthcare facility that isn’t in your health plan’s network.

Nonparticipating describes providers and facilities that haven’t signed a contract with your health plan. Nonparticipating providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called balance billing. This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.

Surprise billing is an unexpected balance bill. This can happen when you can’t control who is involved in your care, such as when you have an emergency or schedule a visit at a participating facility but are unexpectedly treated by a nonparticipating provider.

Your rights and protections against Surprises

When you get emergency care or get treated by a nonparticipating provider at a participating hospital or ambulatory surgical center, you are protected from balance or surprise billing.
Services you are protected from balance billing for:

Emergency services

If you have an emergency medical condition and get emergency services from a nonparticipating provider or facility, the most the provider or facility may bill you is your plan’s in-network out-of-pocket amount, such as copays, coinsurance, and deductibles. You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

Michigan law also protects you from balance billing and requires that you pay only your in-network cost-sharing amounts for (i) covered emergency services provided by an out-of-network provider at an in-network facility or out-of-network facility; (ii) covered nonemergency services provided by an out-of-network provider at an in-network facility if you do not have the ability or opportunity to choose an in-network provider; and (iii) any healthcare services you receive at an in-network facility from an out-of-network provider within 72 hours of receiving services from that facility’s emergency room.

Certain services at a participating hospital or ambulatory surgical center

Learn more on how this works…

Visit http://www.cms.gov/nosurprises for more information about your rights under federal law.

Visit http://michigan.gov/difs for more information about your rights under Michigan law.

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Lights Turned Off at the Gateway Arch Every Night to Assist in Bird Migration This Month for 325 Species

Lights Turned Off at the Gateway Arch

Posted on by Shield Insurance Agency

Lights Turned Off at the Gateway Arch Every Night to Assist in Bird Migration This Month for 325 Species

Good News Network | May 20, 2023 | Gateway Arch | Shield Insurance Agency | Start a Quote today!

From the majestic whooping crane to the smallest songbird, an iconic American landmark in Missouri is making the skies safer for spring migrating birds who follow the Mississippi River to reach their summer nesting grounds.

Since 1965 when it was unveiled, the Gateway Arch in St. Louis has punctuated the cityscape at night with lights that illuminate its most visited US National Park. But all during the month of May officials will turn off the lights at night to facilitate safe passage for more than 325 bird species following the route each year on their spring migration.

“St. Louis sits right beneath the Mississippi Flyway, a major migration highway,” said Jeremy Sweat, Superintendent, of Gateway Arch National Park.

For over a decade, the exterior lights have been turned off for two weeks each May—and again in September—to help minimize the possible disorienting effect the lights may have on the migrations. But this year the park will keep the lights off for the entire month of May.

Gateway Arch National Park

Gateway Arch National Park is both a building and program partner with Lights Out Heartland, an organization that works with partners to provide migrating birds safe passage along the Flyway during the high-intensity migration months of May and September.

According to the St. Louis Audubon Society, sixty percent of North American songbirds and forty percent of waterfowl are anticipated to migrate this spring and fall.

“Other ways we are trying to help the birds is to focus the lights better on the Arch,” said Pamela Sanfilippo who works at Gateway Arch National Park. That way, “light doesn’t go up into the sky.”

The towering silver Arch was built to honor a different kind of journey that began in 1804 when President Thomas Jefferson launched the Lewis and Clark Expedition which mapped a path to the Pacific Ocean from the middle of the continent. Two scientists set out with a team of scouts and mapmakers from the river port of Saint Louis, which opened up the West. Today, the Gateway Arch attracts 1.62 million visitors annually.

Click here to read the full story

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Medical Insurance Can Provide Financial Protection.

Medical Insurance Can Provide Financial Protection.

Posted on by Shield Insurance Agency

Shield Agency Blog | Medical Insurance | Contact Brianna for a quote!

Medical Insurance is a crucial aspect of our lives that we often overlook until we need it. It provides us with financial protection against unexpected medical expenses, which can be quite expensive. Health insurance covers a wide range of medical services, including doctor visits, hospitalization, surgeries, and prescription drugs. In this blog post, we will discuss the benefits of health insurance and why it is essential to have.

One of the most significant benefits of medical health insurance is that it helps you manage your medical expenses. With health insurance, you pay a monthly premium, and in return, your insurance company covers a portion of your medical expenses. This means that you don’t have to worry about paying the full cost of medical services out of your pocket. However, it is important to note that most health insurance plans have a deductible, which is the amount you have to pay before your insurance coverage kicks in. Once you reach your deductible, your insurance company will cover a portion of your medical expenses.

Another benefit of medical insurance is that it covers prescription drugs. Prescription drugs can be quite expensive, especially if you need to take them regularly. With health insurance, you can get your prescription drugs at a lower cost, which can save you a lot of money in the long run. Some health insurance plans also cover preventive care, such as annual check-ups and screenings, which can help you detect health problems early on.

Health insurance also promotes well-being, both physical and emotional. With health insurance, you have access to medical services that can help you maintain your physical fitness and overall health. This includes regular check-ups, screenings, and access to specialists if needed. Additionally, some health insurance plans offer wellness programs that focus on nutrition and wellness, which can help you maintain a healthy lifestyle.

Emotional Health is part of Medical Insurance

Emotional health is also an important aspect of well-being, and health insurance can help you manage your mental health. Mental health services, such as therapy and counseling, can be quite expensive without insurance. With health insurance, you can get the help you need without worrying about the cost. This can be especially important for those who struggle with mental health issues, such as anxiety and depression.

Health insurance also benefits families. With a family health insurance plan, you can cover your entire family under one policy. This means that you don’t have to worry about getting individual policies for each family member. Additionally, family health insurance plans often offer lower premiums than individual plans, which can save you money in the long run.

In conclusion, health insurance is essential for managing medical expenses and promoting well-being. It covers a wide range of medical services, including doctor visits, hospitalization, surgeries, and prescription drugs. Health insurance also promotes physical and emotional health, as well as nutrition and wellness. Additionally, it benefits families by providing coverage for the entire family under one policy. If you are looking for health insurance, contact Shield Insurance Agency for all of your insurance needs at (616) 896-4600.

Learn about the Federal No Surprise Act here

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Condo Insurance: Protecting Your Home and Your Wallet

Condo Insurance: Protecting Your Home and Your Wallet

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Condo Insurance | Start a Quote today!

As a renter or homeowner of a condo, it is important to understand the importance of having condo insurance. Condo insurance, also known as renters condo insurance or condo homeowner insurance, is a type of insurance that provides coverage for your personal belongings, liability, and the interior of your condo unit.

The cost of Condo Insurance

The cost of condo insurance can vary depending on a number of factors, including the location of your condo, the neighborhood and city you live in, and the type of coverage you choose. However, the cost of not having condo insurance can be much higher in the event of a disaster or accident.

One of the benefits of living in a condo is the sense of community and the shared responsibility of maintaining the property. However, it is important to remember that the responsibility for insuring your personal belongings and the interior of your unit falls on you, not the homeowners association (HOA).

When shopping for condo insurance, it is important to consider the coverage options that are available to you. Some policies may only cover the interior of your unit, while others may also provide coverage for your personal belongings and liability.

In addition to the coverage options, it is also important to consider the cost of the policy. While it may be tempting to choose the cheapest policy available, it is important to remember that the cost of the policy should not be the only factor you consider. It is important to choose a policy that provides adequate coverage for your needs and fits within your budget.

Shield Sells Condo Insurance

At Shield Insurance Agency, we understand the importance of protecting your home and your wallet. That is why we represent over 40 insurance companies, allowing us to provide our clients with a variety of coverage options at competitive prices.

When you contact Shield Insurance Agency for a condo insurance quote, we will take the time to understand your unique needs and provide you with a policy that fits your budget. Our experienced agents will also provide you with information about the coverage options available to you, so you can make an informed decision about your insurance needs.

In addition to providing you with a policy that fits your needs and budget, Shield Insurance Agency also provides exceptional customer service. We are committed to building long-lasting relationships with our clients and providing them with the support they need when they need it most.

Living in a condo can be a great experience, but it is important to remember that accidents and disasters can happen at any time. By having condo insurance, you can protect your personal belongings, your liability, and the interior of your unit in the event of a disaster or accident.

If you are in need of condo insurance, contact Shield Insurance Agency at (616) 896-4600 for a free quote today. Our experienced agents will work with you to find a policy that fits your needs and budget, so you can have peace of mind knowing that you are protected.

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Benefits of Health Insurance for your family

Benefits of Health Insurance for your family

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | May 23, 2023 | Health Insurance | Contact Bri for a quote today!

Health insurance is a crucial aspect of our lives that we often overlook until we need it. It provides us with financial protection against unexpected medical expenses that can arise from sickness, injury, or any other medical condition. In this blog post, we will discuss the benefits of health insurance and why it is essential to have it.

Health Insurance Bills

One of the most significant benefits of health insurance is that it helps you manage your medical bills. Medical bills can be expensive, and without insurance, you may find yourself struggling to pay them. Health insurance covers a portion of your medical expenses, which can help you save a significant amount of money. The amount of coverage you receive depends on your policy, but it can cover anything from doctor visits to hospital stays.

Another benefit of health insurance is that it helps you manage your deductibles. A deductible is the amount of money you pay out of pocket before your insurance coverage kicks in. With health insurance, you can choose a deductible that fits your budget and needs. This means that you can choose a higher deductible to lower your monthly premiums or a lower deductible to pay less out of pocket when you need medical care.

Prescriptions are another area where health insurance can be beneficial. Prescription drugs can be expensive, and without insurance, you may find yourself struggling to afford them. Health insurance can help cover the cost of prescription drugs, which can make it easier for you to manage your medical condition.

Injury and sickness are two of the most common reasons people need medical care. Health insurance can help cover the cost of medical care for both injuries and sickness. This means that you can get the medical care you need without worrying about the cost.

Medical emergencies can happen at any time, and they can be expensive. Health insurance can help cover the cost of emergency medical care, which can be a lifesaver in a medical emergency. This means that you can get the medical care you need without worrying about the cost.

Finally, health insurance can be beneficial for your family. If you have a family, you want to make sure that they are protected in case of a medical emergency. Health insurance can help cover the cost of medical care for your family, which can give you peace of mind.

In conclusion, health insurance is essential for anyone who wants to protect themselves and their family from unexpected medical expenses. It can help you manage your medical bills, deductibles, prescriptions, and emergency medical care. It can also be beneficial for your family. If you are looking for health insurance, contact Shield Insurance Agency for all of your insurance needs at (616) 896-4600. They can help you find the right policy for your needs and budget.

Learn about the Federal No Surprise Act

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