Health insurance in Astoria, OR can be extremely frustrating to muddle through, even as some insurance carriers try to make it a little easier. Instead of using as many technical terms, they may begin to stress more of the costs of choosing someone out-of-network, or which services don’t have a co-pay. And yet, even with these efforts, it’s not always easy to know what you’re signing up for. Here are three reasons to look over your policy again. 

1. You May Be Covered for Far Less Than You Think 

From high deductibles (to catch outside services) to your specific network, you may not be covered for nearly as many kinds of treatment as you believe. If you happen to have an emergency while you’re out of town, you’re not likely to have many options about where you go and who treats you. It’s only after you return home and receive a bill that you realize nothing was actually covered by your policy. 

2. You Don’t Want to Find Out Too Late 

Finding a bill in your mailbox is the worst possible time to realize what your health insurance covered. Taking the time to look over it now, even if it takes some time to go over each clause, is a far better strategy. Linda Dugan Insurance has seen too many people end up finding out the truth later when they should have taken the time to address it all sooner. 

3. You Can Get Your Questions Answered 

Taking the time to go over your insurance policy now gives you a chance to ask the questions you don’t want to ask later on. Linda Dugan Insurance has been helping the people of Astoria, OR get their questions answered for years, and we can help you too. 

Being properly covered by insurance is extremely important for all people. When you are considering your insurance needs, one of the most important types of insurance that you should also consider getting is umbrella insurance. This type of insurance is essentially additional liability coverage insurance that is in addition to your standard home or auto policies. There are several reasons why you should consider investing in an umbrella insurance policy.

Provides Coverage for Additional Risks

One of the main reasons why Astoria, OR residents should consider investing in umbrella insurance is that it will provide coverage for additional risks. While you can have a lot of financial coverage on your home or auto policies, the situations in which you are covered are still fairly limited. With an umbrella insurance policy, you will receive coverage for a variety of additional risks including the risk of slander or libel.

Additional Financial Coverage

An Astoria, OR customer will also receive more financial coverage when they have an umbrella insurance policy in place. When you are shopping for an umbrella insurance policy, you will be able to select the dollar amount of coverage that you want. This coverage can then provide you with additional liability insurance coverage that will come in handy if you are sued for liability and the damages exceed the amounts set forth in your home or auto policies. 

If you believe that you could benefit from the additional coverage provided by umbrella insurance, reaching out to Linda Dugan Insurance could be a great option. The team at Linda Dugan Insurance will be better able to explain all of the advantages of having umbrella insurance and they will be able to help find you a policy that provides you with the right level of umbrella coverage for your situation.