There are so many great benefits that you receive when you have health insurance coverage, and they do not just help during illnesses. There are also benefits that can help to prevent illnesses before they even start. Those are called preventive health care services. Here is more information on them, courtesy of Linda Dugan Insurance serving the Astoria, OR area.

Checkups

It is a good idea to have a thorough checkup, and the good news is that annual exams are often included in health insurance coverage. A checkup can be a great way to assess overall health and determine if any further tests or treatments are needed. It is common for the health insurance policy to have a list of preferred local doctors and other providers.

Immunizations

Immunizations for illnesses like flu, tetanus, measles, chicken pox, TB and more are typical preventive health care benefits. The immunizations recommended varying based on factors like the patient’s age and individualized needs.

Tests and Screenings

A variety of medical tests and screenings are commonly included in health insurance policies. They include screenings for cancer, diabetes, heart issues and much more. Some tests assess levels of key nutrients in the body.

Counseling

A unique preventive benefit relates to counseling, including counseling for lifestyle issues. An example of this would be a stop-smoking program.

It’s definitely better to prevent health issues before they arise rather than trying to treat them after they occur. Preventive health care services can help make it possible to do just that. If you need information about health insurance, please feel free to contact Linda Dugan Insurance serving the Astoria, OR area.

You thought that you cleared that corner but, several minutes and an accident later, you realize that your judgment was wrong. You caused the incident and are now worried that your auto insurance policy will not cover the full cost of the exotic car you just hit. They may sue. Will your umbrella insurance policy cover this fiasco in Astoria, OR?

There is a policy for that!

As the agents at Linda Dugan Insurance will tell you, an umbrella assurance policy will pay for gaps in various indemnity plans that include auto insurance. You can just consider your umbrella plan as the net that catches you when your standard assurance policy falls short.

How does umbrella insurance work?

Umbrella insurance works alongside your auto policy to ensure that you do not have to pay for expenses out of your pocket. In a real case scenario, you would have to foot the bill for the additional $5,000 if the expenses to repair or replace someone’s vehicle cost $15,000 and your policy covered a maximum $10,000 per incident. Medical bills are another factor that could bring you to financial ruin without an umbrella policy to provide additional coverage where your standard auto insurance plan falls short.

Umbrella assurance is not meant to go alone

You should not obtain umbrella insurance with the thought that the plan will stand alone. Instead, consider a policy as something that further protects your finances in the instance of you having an expensive and untimely accident in Astoria, OR.

The agents at Linda Dugan Insurance can help you understand the ins and outs of umbrella insurance. Contact them today to learn more about obtaining a policy and to get a quote!