Terms you need to understand before you choose health insurance

Choosing the right health insurance policy is one of the most important decisions you make every year. Whatever you choose will provide your coverage for an entire year, and if you make a terrible choice, you need to live with it. A wrong choice can be almost as bad as not having any health insurance coverage. At THINK Insurance & Financial Services in Pomona, CA, we understand health insurance, and we will sit down so we can get to know you as well. 

Network

All health insurance carriers have a network of providers contracted to provide services at a predetermined price. Depending on the type of policy you choose, you may have to use services only within the network if you want your health insurance to cover the service. If you have providers you prefer, such as your primary care physician, you must look at the providers in the network to make sure your favorites are included. It is not just doctors either. It is hospitals, urgent care, and labs as well. 

Deductible

The deductible is the amount you must pay for covered services before the health insurance starts to cover those services. A high deductible policy will be more affordable, but you may never reach the deductible. It is something that needs to be considered carefully. 

Co-pay

Once you have met your deductible, the co-pay is the amount you are required to pay for a service. It may be $20 for an office visit or 20% of the covered service. Read your policy details carefully. This is one area where there can be many different options, and not all of them are good options. 

Contact THINK Insurance & Financial Services in Pomona, CA to discuss your health insurance needs.

Things to do to get your vehicle ready for summer

With more than 24,000,000 licensed drivers in California, chances are you will have plenty of company when you decide to hit the road. Pamona, CA is located in densely populated Los Angeles County.

At THINK Insurance & Financial Services, we are one of California’s largest independently owned insurance agencies. We are committed to providing our customers with the service and prices they are looking for. 

With summer just around the corner, it is time to start preparing for all the driving that comes with summer. You want your car to be at its best and, most of all, to be safe. 

Check your tires

If you plan on enjoying the road during the summer, it’s vital that you make sure that your tires have enough tread to get you safely through your trips. If your tires show signs of wear, make an appointment to get new ones installed. Make sure that you have a tire pressure gauge, a pump, and a can of Fix a Flat in your trunk. Check to make sure you have a spare tire and a jack. 

Get the air conditioner checked

Making sure that your A/C is working well will keep you from having some very uncomfortable trips. You should get your unit checked yearly. 

Replace your windshield wipers

Nothing is worse than being caught in a rainstorm with faulty wipers. It can be hazardous. 

Check all your fluids.

Ensure that your radiator is filled and that your oil, transmission, and steering fluids are all topped off.  This should all be taken care of as part of a visit to your local oil-changing business or auto dealership. 

Contact THINK Insurance & Financial Services in Pamona, CA if you want the benefits that only an independent insurance agent can provide.