Anyone living in the Chandler, AZ area must take their personal insurance needs seriously. A form of coverage all people in the area need to have is health insurance. This is important coverage as it ensures you have access to affordable care when you need it. There are various factors someone should think about when shopping for this coverage here. 

Coverage Levels

It is essential to consider the coverage levels provided by each form of coverage. Health insurance coverage varies considerably by plan. Some types of coverage can include medical services, physical therapy, hospitalization, prescription drugs, maternity support, preventive care, mental health service, and many other forms of support. You should ensure the plan you choose has the right amount of coverage. 

Deductibles and Individual Costs

Each health insurance plan will also have a different cost structure. Each plan will have a premium paid monthly to the health insurance provider. You will also have co-pays to see a doctor, receive medication, and obtain other forms of care. Finally, you need to know your deductible, which is the amount of money you need to pay out of pocket before receiving some forms of care. Many plans also have an annual maximum you will be required to spend. Evaluating and comparing these options is very important. 

Health insurance is a form of coverage that everyone in the Chandler, AZ area should consider and take seriously. When you are looking for health coverage here, calling our team with the San Marcos Insurance Group would be beneficial. When you call our professionals at the San Marcos Insurance Group, you can get the support necessary to build a plan that adequately covers you and your dependents. 

As a business owner, you have to manage many risks, and one of the most efficient ways to do that is to have business insurance. The right commercial insurance helps protect you as a business owner, your company, employees, and leadership from all types of risks. Finding the right insurance is an essential part of any business management strategy. However, finding it is not easy and could be pretty challenging. In this article, you will find several useful tips to help you make the right choice. 

Tips For Finding the Right Commercial Insurance Plan

• Get familiar with different types of business insurance. The most common types of business insurance that you want to consider include general liability insurance, commercial property insurance, business interruption insurance, professional liability insurance, and others. Ask an insurance agent to recommend a type of insurance that will address your business needs. 
• Shop around. Take your time and shop around to find the best insurance plan for your company. The best strategy would be to choose several insurance companies and compare their plans. 
• Understand your risks. Every industry is different, and the risks are different too. You should evaluate your risks first and purchase an insurance plan to guard against them. 
• Consider the deductibles. Every insurance plan has a deductible – an amount a policyholder must pay out of pocket before insurance kicks in. It would be best if you understood that the higher your deductible is, the less you pay for your insurance monthly.  

San Marcos Insurance Group – Find Your Perfect Commercial Insurance in Arizona

Do you operate your business in Chandler, AZ, or another nearby town? Are you shopping for commercial insurance that protects your company, employees, and assets? Do not look any further – San Marcos Insurance Group is here to assist you. We will help you find an insurance plan to meet your needs and budget. Please visit our website for more information or give us a call. 

Health insurance offers financial protection by covering health and treatment expenses. It saves you from the costly out-of-pocket costs you incur if you or your loved one is hospitalized. However, the benefits you get highly depend on your chosen plan, so you should choose the right health insurance plan for your needs. Follow these tips to choose the ideal health insurance plan for you and your family in Chandler, AZ.

Check Hospitals Network

Insurance companies partner with selected hospitals for the provision of healthcare facilities. As you choose your insurance plan, it’s vital to check the network and ensure the hospitals of your choice have that specific network. An insurance plan available in a broad network of hospitals will be easier for you to access, irrespective of location.

Health Coverage

Find out what the plan you choose offers. Examples of medical coverages that can be covered in a plan include daycare costs, maternity expenses, ambulance costs, costs of admission, and much more. Analyze your family’s needs and choose the ideal plan which caters to your family’s exact needs.

Some health plans can be more costly than others, so costs are a vital factor to consider. Check the premiums against the compensation amount and see if it fits your needs. Other than the premium, check the other extra expenses you may incur with the insurance plan. Compare what different providers offer and choose the best.

Renewability

Health insurance plans come with varying renewability needs. While some may have age limits, others may offer lifetime coverage. Choose the plan with lifetime coverage to enjoy the benefits in your old age. Lifetime coverage is great because enrolling in a new health insurance plan might be hard when you are old.

Contact San Marcos Insurance Group

Health insurance is a vital investment that helps you financially in case of hospital emergencies. For more information on acquiring health insurance in Chandler, AZ, contact our San Marcos insurance group team for advice and assistance.

Many Americans dream of owning a small business. While starting a business can be a rewarding experience, both personally and financially, essentially all business owners must take on risks. Often, this means investing their own money, and if something should go wrong, they could lose that wealth. Fortunately, commercial insurance can mitigate some risks. Contact the San Marcos Insurance Group if you’d like to discuss commercial insurance for your enterprise and live in or near the greater Chandler, AZ area.

How Commercial Insurance Can Mitigate Risks

To own a business, you’ll typically have to invest in equipment, work or office space, supplies, employees, and more. Many entrepreneurs will fund the initial investments out of their own pocket. This may mean taking out a personal loan or even a second mortgage. Even if a specific business owner doesn’t have to invest much, their livelihood, including their own monthly income, could be on the line.

If a business doesn’t have insurance and is damaged in a severe weather event, such as a tornado or hurricane, the owners may be on the hook for all the damages to the building, equipment, and more. However, some weather damages may be covered with the right commercial insurance plan.

Likewise, an entrepreneur could suddenly face serious legal complications and court dates if employees or guests are hurt on the job. If a business owner has the right insurance policy, the costs, and liabilities may be covered.

Ultimately, commercial insurance can reduce risks, especially financial risks, during many different situations. Of course, details are crucial, and examining each plan is important to see what is and is not covered.

Want to learn more about commercial insurance policies and how the right policies could mitigate risks specifically for your business? Contact the San Marcos Insurance Group, serving Chandler, AZ, and beyond.

Everyone is looking for ways to save on medical expenses. One of the best ways to do this is to take the proper steps to keep yourself healthy. At San Marcos Insurance Group, serving Chandler, AZ, and the surrounding areas, we are here to help our clients make intelligent insurance and health choices. Keep reading to learn about three ways to build up your immune system. 

Get Your Vitamins

Most adults today are vitamin deficient in some way. This is mainly due to the fact that most people do not eat a healthy, well-balanced diet. Although getting the vitamins, you need from your food is possible, taking a vitamin supplement is a good idea since most people do not get the right foods in their diet daily. It is also a good idea to get a blood panel done annually to see if you have any significant vitamin deficiencies that you need to work on.

Exercise

Staying active keeps your body’s systems in the best working order. This includes your immune system. To get the most immune-boosting benefits, try to find activities that you can do outside. This gives you the added immune-boosting benefits of fresh air and sunshine. 

Try Probiotics 

Gut health can have a significant effect on your immune system. Without the right bacteria in the right amounts, your immune system will struggle to perform properly. Daily probiotics can help regulate your gut health, increase the growth of good bacteria and ultimately improve your immune system. 

If you want to learn about health insurance services, please get in touch with us at San Marcos Insurance Group serving Chandler, AZ, and the surrounding areas. We will be happy to help you today. 

If you and your husband have multiple businesses in Chandler, AZ, you may wonder if sharing one commercial insurance policy is possible. The answer is yes! It’s possible to have a single policy that covers multiple businesses. San Marcos Insurance Group explains the benefits of sharing a single policy.

How Sharing a Commercial Insurance Policy Works

When two or more companies apply for the same type of coverage, underwriters will generally combine them into one policy. This makes sense since it eliminates the need for separate policies and can help reduce costs by taking advantage of volume discounts. However, certain factors must be considered before combining multiple businesses into one policy. For instance, the businesses must all be owned by the same people, be located in the same state, and present similar risks regarding coverage needed.

Benefits of Combining Policies

Combining your business-related insurance policies into a single package allows you to enjoy several advantages, including cost savings due to volume discounts and simplified paperwork. Additionally, having a single policy can ensure that all your business-related liabilities are adequately covered because everything is listed in one document. This can eliminate any gaps in coverage, which could put your business at risk in case of an accident or injury. You also won’t have to worry about overlapping coverage since everything will be included in one comprehensive package tailored to your needs.

If you and your husband own multiple businesses in the Chandler, AZ area, combining them into a single commercial insurance policy may make sense. Contact San Marcos Insurance Group today to learn more about combining policies for multiple businesses!