Covered California
Certified Agent

6 Insurance Services You Need to Know About

Insurance services are fairly underrated. While many think of them as a major expense, they tend to make more sense when you receive a large medical bill, and crunching numbers show that you could’ve saved up a lot more than what you would’ve paid if you had coverage. Insurance is a solid investment that investment agents in CA are working hard to make more accessible.

If you’re considering getting an insurance plan, make sure you know about the following options, as they could be of use to you:

Corporate Insurance

Running a business comes with several risks. Having corporate insurance allows you to protect yourself, your business, and your employees from the repercussions of any issues. Corporate insurance is an umbrella term; within it, there are several coverage options for various issues.

They can range from general liability protection to dealing with fairly specific problems that might only be limited to your niche. If an employee is aware that a company is insured, it gives them peace of mind that they’ll be covered in case something goes wrong.

Dental Insurance

According to the CDC’s report, 50.2% of adults aged 18-64 with private health insurance had dental care coverage in 2019. Dental healthcare is fairly expensive, but considering the benefits that it offers, it’s priceless. Many people focus on healthcare coverage as well when they acquire individual health insurance or dental insurance.

If they don’t have dental care or adequate treatment options available through employer-provided coverage, they might opt for a separate coverage plan to get the necessary covered benefits. There are dental-focused Medicare supplementary programs that you can opt for.

Patient with dental insurance

Employee Health Insurance

For a business, its employees are its most precious asset. A company must look after them and their well-being. One way to do so is to provide reliable health insurance options. Essentially, they are employer-provided health coverage packages that employees can use to pay for their medical bills more affordable.

Employers can opt for a good package that covers most of the needs of their workers concerning their needs. It’s becoming a norm to provide such options like employee insurance to retain employees and bring in new hires.

Group Insurance

Group insurance is provided by employers to their workers. Essentially, the employee can buy a health insurance package for their employees willing to opt for the coverage and get its benefits. The main advantage here is that the costs are split between the employer and the employees per head. Because of this division, the employees have an easier time paying for insurance.

Depending on various aspects, employers can provide a relatively attractive insurance package if more people opt for it. These tend to focus on general needs as well as any industry-specific issues that workers might face.

Health Insurance (Individual and Family)

Apart from the employer-provided insurance package, many people opt for their individual or family health insurance package. These require you to pay a monthly premium, deductible, and other out-of-pocket expenses in exchange for more affordable medical expenses.

These are excellent as you can get specific coverage as per your need, allowing you to get covered benefits for particular treatments or medications that you might need in the future. You can also extend the coverage for various family members so that they’re covered too.

Life Insurance

The truth is that most people don’t know better or lack proper information about life insurance. Apart from providing your family with a large payout upon your untimely demise, life insurance is a major investment. There are numerous products within the life insurance umbrella. Similarly, you can also opt for term life insurance or permanent life insurance, depending on your needs.

It’s recommended that you opt for them when you’re young, as you get the most affordable options on the market when you’re low-risk. You can also borrow against the amount, which is a major advantage that most people don’t know about.

If you’re searching for any of the aforementioned insurance options, Covered California Certified Agent has you covered. We provide employer group insurance, individual health insurance, and dental insurance, among other options. With our insurance services in California, our goal is to make the process of getting reliable insurance that meets your need more streamlined.

We’re aware of how it can be difficult to navigate the insurance landscape and offer dedicated resources for the job. Contact Covered California Certified Agent today to work with a reliable insurance agent in California and to learn more about various insurance coverage options.