Chandler AZ

Should I Supplement My Employer-Provided Health Insurance?

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Whether supplementing your employer-provided health insurance plan will benefit you depends on the plan’s components and your needs and preferences. Those with flexible health benefits plans through their employment generally do not need supplemental plans. However, others consider them critical for managing family healthcare costs. If you live in or near Chandler, AZ, consider contacting San Marcos Insurance Group. We will answer all your health and supplemental insurance questions.

What is Supplemental Health Insurance?

Supplemental health insurance covers elements of your health care beyond the benefits you receive through your employer’s core health plan. For example, some employer-based plans offer the opportunity to buy extended vision or dental coverage during enrollment.

Beyond policy extensions obtained through your employer, consider supplemental policies acquired on the open market to cover health care issues your employer may or may not offer.

Depending on your family’s health history, financial circumstances, and retirement plans, supplemental health insurance coverage to consider includes the following:

  • Long-term disability: Employer disability plans often do not cover long-term disabilities that keep you from working or doing so at full capacity.
  • Long-term care: Few employer plans cover adult day care, assisted living, or similar needs resulting from disability or age.
  • Critical illness: Those with family illness histories may want to acquire supplemental coverage for specific named diagnoses.
  • Hospitalization: Hospital costs can be extremely high. Hospital indemnity insurance pays the hospital costs exceeding your employer’s daily rate, so you avoid substantial bills.

Supplemental Health Insurance with San Marcos Insurance Group

If you live in or near Chandler, AZ, and want to discuss whether supplemental health insurance is right for you and your family, call the San Marcos Insurance Group team at (480) 899-6633. We’ll discuss your situation and create a plan for you as needed.

Residential Coverage for Weather Damage

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Your home insurance policy can provide coverage for weather-related damage. Use previous and current variables to guide you in choosing how much extra coverage you want to add to your home insurance policy.

Consider Past Damage

If your home and property have incurred damage in the past, consider the details surrounding each incident. Examine the amount of damage that your home and land were subjected to. If you incurred substantial out-of-pocket costs for the damage that needed to be repaired, it may be beneficial to increase the amount of home insurance coverage you have at your disposal. The coverage can protect building materials, electrical supplies, plumbing components, and other items installed in your home or on your land.

Account for Current Variables

If you live in a region that experiences an unpredictable weather pattern, it can be in your best interest to increase the amount of weather damage protection that your home insurance policy provides. Insurance coverage protects against damaged materials, leaks, and other issues that are directly tied to the weather.

Assess Residential Improvements

Examine the residential improvements that you have recently made or plan on making in the future. These improvements could affect the amount of home insurance protection that you need.

Property Improvements to Consider

  • Upgraded windows and doors
  • New roofing materials
  • New plumbing, HVAC, or electrical components
  • Weatherization additions

Schedule Your Home Insurance Consultation

Your home insurance consultation may reveal any problems that you missed while assessing your home and land. One of our San Marcos Insurance Group agents will determine which factors could result in weather-related damage. The results will guide them in choosing insurance product recommendations that will provide enough protection. Contact an agent who serves Chandler, AZ, for more information about insurance services.

Understanding The Different Oil Changes and What’s Right For Your Car

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When you go in for an oil change, you’ll be asked which type of oil change you want. Knowing the difference between the changes and which is suitable for your vehicle is essential.

Conventional Oil Change

The conventional oil change is the most basic of your options. It is usually the most affordable because it uses traditional motor oil extracted from crude oil. This oil isn’t refined and doesn’t have as long a life as other oils. Most newer cars use this oil up to about 50,000 miles before transitioning to a different type. In reality, you should only get this oil change a handful of times.

Semi-Synthetic Oil Change

A semi-synthetic oil change uses a type of oil that combines conventional and synthetic oil. Some oils will have more conventional oil than synthetic, and others may be reversed. When you opt for a semi-synthetic oil, you get a longer-lasting oil that improves performance better than standard conventional oil and is more affordable than synthetic oil. Most cars start taking a semi-synthetic blend around 50,000 miles and continue until they are ready to transition to full synthetic.

Synthetic Oil Change

A synthetic oil change consists of full synthetic oil designed to reduce your vehicle’s friction and engine wear. It is the best oil you can put in your vehicle and the most expensive. Once a car enters high mileage space, it’s time to switch. However, you don’t want to skip the semi-synthetic oil in between, as you want your engine to get accustomed to the new oil. This oil is also ideal for performance vehicles and sports cars, as it keeps the engine running smoothly.

If you’re looking for an auto insurance policy in the Chandler, AZ community, or surrounding areas, contact our San Marcos Insurance Group agents today for more information.

Knowing the Reputation and Insurer’s Financial Strength in Commercial Insurance

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When selecting commercial insurance in Chandler, AZ, one of the most crucial considerations is the insurance provider’s reputation. An insurer’s reputation can be a strong indication of the quality of service you can expect. A company with a solid track record is more likely to process claims efficiently and provide reliable customer service. Businesses are reliant on insurance to protect their assets and operations; hence, it’s essential to choose a provider known for fair and timely claim settlements.

Researching an insurer’s customer reviews and ratings can give you insights into their claim handling process and policyholder interactions. Positive feedback and strong industry recognition can build trust that the insurer will stand by its policyholders.

Evaluating Financial Strength

An insurer’s financial strength is a critical factor to consider when choosing a provider. This strength dictates the company’s ability to pay claims, especially during widespread disasters or economic downturns. An insurer with weak financial health may struggle to meet claim obligations, leaving your business at risk.

To evaluate an insurer’s financial strength, you can refer to ratings from independent agencies such as A.M. Best, Moody’s, or Standard & Poor’s. These agencies assess insurers based on their financial stability. High ratings reflect a company’s ability to meet its claim obligations, even during adversities.

Why It Matters for Your Business

Choosing an insurer with a strong reputation and financial strength ensures your business protection. In times of crisis, you need trust in your insurer’s ability to provide the financial support required to recover and continue operations.

San Marcos Insurance Group For Better Understanding of Insurance

San Marcos Insurance Group offers guidance on understanding insurance. If you’re located in or near Chandler, AZ, we’re here to help. Call us today to discuss your options.

Factors to Consider When Selecting a New Health Insurance Policy

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Choosing the right health insurance policy can often appear intimidating, but getting it correct is vital. At San Marcos Insurance Group, serving Chandler, AZ, and its surrounding areas, we guide you through the essentials to consider when selecting a health insurance policy.

Understanding Your Needs

The first step in choosing a health insurance policy is understanding your specific healthcare needs. Consider your medical history, the frequency of doctor visits, and any ongoing treatments you might require. If you have a family, their needs should also be factored in. Understanding these aspects will help you select a policy that provides sufficient coverage without unnecessary extras.

Evaluating Coverage Options

Next, evaluate your available coverage options. Look for policies that cover essential health benefits, such as hospital stays, prescription drugs, and preventive care. Consider the network of doctors and hospitals associated with each plan. Ensuring that your preferred healthcare providers are included in the network is essential.

Considering Costs

While the premium is an important factor, the overall cost of the policy—including costs like co-pays, deductibles, and out-of-pocket maximums—is also essential. A plan with a lower premium could result in higher out-of-pocket costs, so weighing all aspects of a plan is vital.

Reviewing Policy Details

Take the time to read the fine print. Understand the policy’s terms and conditions, including its exclusions and limitations. This can help prevent surprises when it’s time to make a claim.

Choosing the right health insurance policy involves careful consideration of your needs and a thorough evaluation of your options. We are committed to helping you make an informed decision at San Marcos Insurance Group in Chandler, AZ. Contact us today to discover the perfect policy for you and your family.

Home Protection and Home Insurance: Homeowners’ First Line of Defense

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Being a homeowner brings about a sense of security, but it also introduces challenges and responsibilities, and maintaining a home can sometimes prove expensive. From risks of burglary to storm damage and more, unexpected incidents can expose us to potential financial strain. Insurance can make it easier to manage the cost of caring for our homes, ensuring we’re covered when we most need it. It’s why many people in and around the greater Chandler, AZ area trust San Marcos Insurance Group for their home insurance needs.

Insurance: Your Home’s First Line of Defense

Whether the threat is a burglar on a mission or a storm causing widespread damage, insurance serves as the first line of defense for every homeowner. Unfortunately, we can’t prevent someone determined to break into our homes, nor can we ward off natural disasters that leave destruction in their wake. However, we can be prepared. Home insurance plays a critical role in defending against potential threats and risks, proving its importance repeatedly.

Home Insurance Solutions in Chandler, AZ

If you’re a homeowner in Chandler, AZ, or the surrounding area and need home insurance, we can help. Home is where the heart is; for many, it’s also where their most significant investment lies. That’s why it’s crucial to protect our homes with insurance. We at San Marcos Insurance Group are here to help you find the coverage that aligns with your needs and circumstances. Contact us to find out more and schedule an appointment today for the insurance you and your home need and deserve.

Knowing Your Network Restrictions in Health Insurance

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Familiarizing yourself with your health insurance network isn’t just essential; it empowers you. Reviewing your plan’s provider directory and clarifying any doubts with your insurance company regarding whether a provider is in-network is of significant importance, especially if you reside around Chandler, AZ. Understanding these restrictions gives you control and empowers you to make informed decisions about your healthcare.

In-Network Providers

In-network providers are medical centers, doctors, and healthcare facilities with a negotiated contract to provide medical and clinical services. Using in-network providers can result in lower costs, as insurance companies offer better coverage and reduced co-pays or co-insurance rates for these services. Upon visiting an in-network provider, you will benefit from pre-negotiated rates and find that the insurance plan covers most of the cost.

Out-of-Network Providers

Out-of-network providers have not entered into a contract with your insurance company. Visiting these providers might incur a higher cost. Insurance plans typically cover a smaller portion of the expenses when you seek care from out-of-network providers. As a result, you may end up paying most or all of the bill, which can be significantly higher than in-network rates. It’s essential to verify whether a provider is in-network before scheduling appointments or undergoing treatments to avoid unexpected costs.

Exceptions and Emergencies

Most health insurance plans have provisions for emergencies where network restrictions may be waived. Your insurance may cover the costs if you need immediate medical attention and can’t reach an in-network provider. However, this is generally limited to emergencies. For non-emergency care, it’s still best to seek services within the network when possible.

San Marcos Insurance Group Is at Your Service

San Marcos Insurance Group is here for you when you need insurance information. Our services are available in Chandler, AZ locations and surrounding areas. Contact us today.

Ways Entrepreneurs Can Manage Risks

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If you’re an entrepreneur looking to control risks, you know that you must often contend with them day in and day out. However, it is possible to mitigate some risks with the right commercial insurance policies. If you need assistance choosing the correct commercial insurance policy, consider contacting San Marcos Insurance Group, serving Chandler, AZ, and beyond.

Build Up Reserves

It’s beneficial to set aside some money for emergencies whenever possible. For example, if a significant piece of equipment breaks down requiring repair, you can tap into these reserves. This approach allows you to return to work more swiftly.

Obtain Commercial Insurance

If any event damages your business property or equipment, such as a fire, your livelihood could be at risk. However, with the right insurance policies, you can reduce financial risks and ensure coverage for various scenarios.

Ultimately, selecting the right commercial insurance policies is among the best methods of reducing risks. It is advisable to speak with a home insurance agent to understand what is and is not covered by any specific policy.

Maintain a Streamlined Invoicing System

Many businesses and entrepreneurs lose money when funds slip through the cracks. For instance, forgetting to bill a client or cash a check can lead to losses. To succeed in the market, managing your invoicing system and keeping everything in order is crucial.

Keep Your Books in Order

It’s not just invoices that need attention. Keeping your accounts and books in order is equally important. Cleaning things up later can be far more challenging than simply keeping your books tidy from the start.

If you need help choosing a commercial insurance policy, contact San Marcos Insurance Group, serving Chandler, AZ, and other communities.

Ways Entrepreneurs Can Manage Risks

Posted on by agentinsure

If you’re an entrepreneur looking to control risks, you know that you must often contend with them day in and day out. However, it is possible to mitigate some risks with the right commercial insurance policies. If you need assistance choosing the correct commercial insurance policy, consider contacting San Marcos Insurance Group, serving Chandler, AZ, and beyond.

Build Up Reserves

It’s beneficial to set aside some money for emergencies whenever possible. For example, if a significant piece of equipment breaks down requiring repair, you can tap into these reserves. This approach allows you to return to work more swiftly.

Obtain Commercial Insurance

If any event damages your business property or equipment, such as a fire, your livelihood could be at risk. However, with the right insurance policies, you can reduce financial risks and ensure coverage for various scenarios.

Ultimately, selecting the right commercial insurance policies is among the best methods of reducing risks. It is advisable to speak with a home insurance agent to understand what is and is not covered by any specific policy.

Maintain a Streamlined Invoicing System

Many businesses and entrepreneurs lose money when funds slip through the cracks. For instance, forgetting to bill a client or cash a check can lead to losses. To succeed in the market, managing your invoicing system and keeping everything in order is crucial.

Keep Your Books in Order

It’s not just invoices that need attention. Keeping your accounts and books in order is equally important. Cleaning things up later can be far more challenging than simply keeping your books tidy from the start.

If you need help choosing a commercial insurance policy, contact San Marcos Insurance Group, serving Chandler, AZ, and other communities.

Do I Need Home Insurance? If so, Why?

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Did you know that approximately 93% of American homeowners possess some home insurance? Although home insurance isn’t legally required in many states, unlike car insurance, your lender likely requires it if you have a mortgage. Let’s delve deeper into why. If you require assistance in Chandler, AZ, consider reaching out to San Marcos Insurance Group.

Why a Lender Requires Home Insurance

When you secure a mortgage, you’re essentially taking out a protected loan. Your property, purchased with the mortgage, serves as the collateral. Thus, in cases of delayed or missed loan payments, the lender can seize the property to settle the remaining balance. Any surplus amount after covering the debts, referred to as "excess proceeds," goes back to the property owner in Arizona.

Mortgages are generally less costly than credit cards, personal loans, and various other debt forms. This is largely because the loan is backed by a high-value property, reducing the lender’s risks. However, if a home gets damaged by a storm or fire, the property’s value diminishes, increasing the lender’s risks. Consequently, lenders necessitate that a home insurance policy safeguard the property.

The Consequences of Cancelling Home Insurance

Canceling or ceasing the payment for home insurance on a property can result in the mortgage lender procuring an insurance policy and billing the property owner. The terms of this insurance policy may not be beneficial from the property owner’s perspective. Therefore, working with an insurance agent to select a plan is often more advantageous. If you need help in Chandler, AZ, the San Marcos Insurance Group is ready to assist you.