Do Health Insurance Companies Share Information With Each Other?

Oftentimes you may consider simply switching health insurance providers based on the rates that you’re getting right now. This can be a smart idea, but you should know that all Pomona, CA insurance companies are going to have access to the same information.

And it’s not just the insurers sharing this information.

Essentially, every insurance company you could hope to buy from has every piece of medical data that exists about you and is available. They talk with doctors and hospitals, they look at your records, they talk to your dentist if need be, and of course, they talk to each other. The insurance game is competitive, sure, but it doesn’t really do these companies any good to keep secrets from one another.

If some of the information that your previous insurer had is false or was registered in error, fortunately, there are ways to have this taken care of. Medical check-ups are, after all, where we get the term "second opinion." If your previous physician noted your high blood pressure, but you were just having a stressful day when you took the exam, there’s no reason that you can’t have a follow-up exam taken and submit those new results to your insurance company.

Ultimately insurance companies are looking at your medical records for your benefit as well as your own. They need to know the risk that they’re taking in covering you, and of course, they need you to be aware of those risks, as well.

If you’re looking to get covered in Pomona, CA, get in touch with THINK Insurance & Financial Services and see what we can do for you. You can call us, or get in touch through the THINK Insurance & Financial Services website.

California Renters Insurance Frequently Asked Questions.

THINK Insurance & Financial Services wants to empower all the people in and around Pomona, CA with as much information about their insurance requirements and options as possible. This is why we have compiled this list of FAQs about renters insurance in the state of California. 

Renters Insurance FAQs 

  • Is renters insurance a legal requirement in California? No, you do not legally have to have renter’s insurance in the state of California. However, you may find yourself in a bad situation if the worst happens and you do not have it. 
  • Can my landlord require me to have my own renters insurance? Yes, your landlord can make renter’s insurance a required item in your contract. This protects them but more so you and your personal property. 
  • What may renter’s insurance cover? We cannot guarantee anything until your policy is actually written but renter’s insurance in California often covers personal items of value such as laptops, televisions, antiques, etc. It may cover loss of use of an area so you have compensation when you need to make other living arrangements, and it may protect you from some level of civil liability. These are all common coverages but discuss your personal needs with an agent. 
  • Why should I have my own renter’s insurance policy? Because your landlord’s policy will protect the building itself and not the tenants and their belongings. Protect yourself with renter’s insurance so you have one less thing to worry about.  

THINK Insurance & Financial Services serves the community of Pomona, CA with quality insurance services and we will be happy to answer any additional questions you may have about renters insurance or any other type of insurance and the California requirements or suggestions. Call us today. 

Summer Renovation Tips for Your Condo

If you’re planning to renovate your Pomona, CA condo for summer, now’s a good time to choose your projects. By planning ahead, you can ensure your condo will be ready when family and friends come to call. These tips from THINK Insurance & Financial Services offer some renovation ideas to help you get started.

Update Kitchen Appliances

Sometimes all your kitchen needs for a new look is to update your appliances. New, energy-efficient, smart appliances are sure to improve your kitchen’s function and add value to your Pomona CA condo.

Paint Interior Walls

A fresh coat of paint will make your walls pop and add color to your environment. You can choose colors that complement or contrast your décor to set the mood for living spaces within your condo.

Modernize Bathrooms

Modernize your bathroom by replacing an old vanity, adding tiling to walls, and swapping outdated faucets and lighting with contemporary designs. Complement these fixtures with attractive accessories like trendy bath towels, bath mats, and shower curtains to create the look you desire.

Install Ceiling Fans

Install ceiling fans in strategic locations to keep living spaces fresh and cool and add a decorative touch to your environment. Today’s fans come in all kinds of sizes, styles, and colors and are reasonably priced, making them great investments for your condo.

Invest in a Living Room Carpet

A beautiful new carpet can bring your living room together and make it a cozier, more comfortable environment for getting together with family and friends. By investing in quality carpeting that maintains its attractive appearance, you can enjoy its beauty for years to come.

Once you’ve completed your renovations, take the time to update your condo insurance to include these upgrades in your policy. For quality condo insurance coverage at reasonable costs, contact your THINK Insurance & Financial Services agent today.

Health insurance: What does it cover in Pomona CA?

Navigating through the world of health insurance is a monumental task. With fast-paced lives, home responsibilities, and pressure at work, we hardly get the chance to live healthy lives nor pay much attention to health insurance. Health insurance helps protect you and your loved ones by paying for surgical, medical, and sometimes dental expenses. Depending on your needs, THINK Insurance & Financial Services recommends having a form of health insurance to cover for individual medical costs.

What does it cover?

Companies often include health insurance as an employer benefits package to entice quality employees. The premiums are partially deducted from the employers but usually deducted from the employee paycheck. With such a package, the best way to learn what is covered is by enquiring from the hospital. If you have two forms of coverages, it is essential to know what each covers to avoid repetition in coverages.

Health benefits

  • Emergency services
  • Ambulatory patient services
  • Hospitalization
  • laboratory services
  • Pediatric services
  • Preventive and wellness services
  • Chronic disease management
  • Prescription drugs
  • Rehabilitative and habilitative services 
  • Maternity and newborn care 
  • Mental health and substance abuse disorder services, including counseling, psychotherapy.

Is health insurance necessary?

In most cases, health insurance is not mandatory. However, some job contracts may require you to have a health insurance policy. Certain situations also call for a high-quality health insurance policy. For instance, if you have a pregnant wife or just welcomed a newborn, you may need insurance to cover for postnatal as well as the child’s regular doctor visits. People with serious health conditions, chronic illnesses, or diseases that require high-end treatment may also need health insurance to help cover medical costs.

You by now agree that your health is more important than anything else in the world. At THINK Insurance & Financial Services, we can help you stay healthy by providing you with useful information regarding health insurance. Feel free to call us or visit us at Pomona, CA today!

How Does Condo Insurance Differ from Home Insurance?

When you are shopping for a new home, it’s helpful to understand the difference between home and condo insurance. THINK Insurance & Financial Services can provide quotes and walk you through the pros and cons of each. This enables you to make the transition from a house to a condo or vice versa, more confidently in Pomona, CA.

Liability Insurance: Condo versus Home Insurance

Under condo insurance, you are responsible if someone gets hurt or you unintentionally damage their property while they are in your condo. Liability coverage for condos helps you safeguard your finances. However, if someone gets hurt in a common area, such as the lobby or pool, the HOA insurance typically covers it.

Homeowners liability is similar to condo owners’ responsibilities. Your home insurance should cover injuries and property damage that occur at your home and beyond. However, homeowners are also liable for accidents and injuries that occur on the land they own. Trampolines, playgrounds, and pools increase your risk and can affect the cost of insurance. 

Personal Property Insurance: Condo versus Home Insurance

Under condo insurance, covering personal items falls under the owner’s responsibility. The HOA coverage protects common areas such as hallways and rooftops. However, your condo insurance reimburses you for losses such as furniture, electronics, clothing, and jewelry. Under homeowner’s insurance, personal property works in much the same way. You need enough insurance to pay for all your belongings in case of a total loss. 

To ensure that you have a handle on the value of your belongings, take an inventory, and estimate the value of each item. You’ll need to secure insurance for at least that amount to avoid paying to replace the items out of pocket. 

Your agent from THINK Insurance & Financial Services can provide examples to help you understand the risks and responsibilities associated with home or condo insurance. Call today to set up an appointment at our Pomona, CA office or to ask us any questions you may have. We’ll be happy to provide quotes and walk you through available policies.

Do renters need to carry insurance in California?

In California, 45.2 percent of residents are renters. While the people who own the building must have home insurance, the law does not require renters to carry insurance on their rental. Having said that, some landlords and owners may require tenants to show proof of renters insurance before they allow them to rent from them. At THINK Insurance & Financial Services in Pomona, CA we are Independent agents and can offer our customers excellent service and competitive rates. 

One common misconception that many renters have is that their personal property will be covered by their landlord’s insurance in the event of an event that damages or destroys their personal property. This is not the case. The landlord’s insurance will only cover what is their property, the physical building, and things like bathroom fixtures and kitchen cabinets. Your personal property will not be covered. This can result in a catastrophic loss for you as a renter. If you had renters insurance, not only would it protect your personal property when it is in your dwelling but in the event that it was stolen while you are away from home or from your vehicle. 

If the dwelling that you rent is so badly damaged that you can not live in it, renters insurance may help you to pay for a place to stay while you are waiting for it to be repaired. Renters insurance also gives you liability coverage so that if someone is injured while visiting you or perhaps by your furry friend, you will have the means to pay the judgment against you. 

To answer the question do renters need to carry insurance in California you need to consider whether you can afford not to carry renters insurance. At THINK Insurance & Financial Services in Pomona, CA we are here to help you determine the answer that is right for you. Give us a call or stop by our office for a no-obligation quote. 

Which Type Of Life Insurance Is Right For You?

There are two primary types of life insurance offered to the public. One of the options is term life insurance, which is paid for in advance for a set term. The other is whole life. The whole life policy has premium payments over the course of many years and can be used to borrow money after a set period of time. 

Whole or Term?

Both insurance options have their benefits, but for those who are planning for the future or getting ready for retirement, they may want to consider whole life because it can serve as a savings plan if there is an unexpected expense in the future. The term policy is pretty straight-forward and provides clear terms and conditions before the policy is purchased for a set "term". The whole life policy can be modified and used to build borrowing power against the face value of the policy, usually after 10 years of making regular payments. Many who are approaching retirement age consider this policy to help with unexpected expenses that can crop up in the future.

Find A Top Agency

One of the keys to getting the right type of insurance is to work with an agency with a reputation for delivering exceptional customer service as well as top-rated insurance products. Those who are in the Pomona, CA area who are shopping for life insurance can count on the licensed life insurance agents at THINK Insurance & Financial Services to provide the guidance they need to get protection for those they care about the most. 

Residents of Pomona, CA should call or stop by THINK Insurance & Financial Services today to get the insight they need to make smart insurance policy purchases. 

Does Commercial Insurance Cover Vandalism?

Unfortunately, vandalism can occur to just about any business with a physical location, at any time. Luckily, standard commercial insurance is designed to cover acts of vandalism to help victims recover and get back to business as usual. Before selecting a commercial insurance policy, learn the limits of coverage and make sure it includes any vandalism related costs.

Vandalism Coverage

Most insurance policies will usually cover vandalism damage on the covered property. Make sure that the terms and conditions about coverage are clear and that you completely understand them before making a purchase. If there are any exclusions, learn about them from your insurance agent, and then take any steps to purchase additional coverages if deemed necessary to prevent losses. With the right type of insurance assistance, selecting a comprehensive commercial policy that protects against all types of vandalism is easy. 

Working With A Licensed Agent

One of the best tools at your disposal is a licensed insurance agent who has experience helping clients get the coverage they need to provide security for their business or company. Anyone who is currently searching for high-quality commercial insurance should consult with THINK Insurance & Financial Services, serving Pomona, CA. They have insightful agents who are committed to helping people get the security and peace of mind they need to operate their business with confidence from day to day. Let them help you get that same level of coverage to protect your investment around the clock.

Call or stop by THINK Insurance & Financial Services of Pomona, CA, and let one of our skilled agents walk you through the process of policy selection and answer any questions you may have. 

Why do I need to get health insurance?

If you are in the Pomona, CA area, there are many different forms of insurance that you should have in place. The most important form of insurance of all could be health insurance. There are many reasons why someone in this area needs to have health insurance at all times. 

Need Access to Healthcare

The most important reason why you need to get health insurance is that you need to have access to affordable health insurance. Those that are able to see a doctor on a regular basis, receive preventative care, and have access to affordable prescriptions will experience significant health benefits compared to those that do not. When you have health insurance, you will be able to see a doctor and receive the care you need at an affordable price. 

Comply with Legal Requirement

For the past few years, having health insurance has actually become a legal requirement as well. If you do not have evidence of health insurance, you will be penalized. Normally, you are going to have to show that you have health insurance when you go to file your taxes. Any non-compliance fee that you have will be deducted from your total tax return. 

There are many reasons why someone in the Pomona, CA area needs to have health insurance. When you are looking for health insurance, you could find that it is challenging to choose the right policy. The team at THINK Insurance & Financial Services can help you to decipher between all of your options and pick the right policy. THINK Insurance & Financial Services will work with you to assess your current situation to figure out what type of coverage you and your dependents need. They can then help you get into a policy that provides the right coverage. 

Why Does Someone Need Renters Insurance?

One of the most momentous occasions in someone’s life will come when they move into their very first home, which often is a rented apartment or another home. This is often a sign that someone has become independent and is ready to make their own life. While there is a lot of excitement that comes with moving into a new rented home, you also need to make sure that you spend time considering your insurance needs. There are several reasons why you need to have renters insurance. 

Will be a Requirement Under Lease

One of the main reasons why someone will need to have renters insurance is because it will be a requirement under the lease. Landlords are very well aware of the unique protections that are provided by a renters insurance policy. Therefore, this is an easy way for a tenant to receive protection for their assets and from liability, which ultimately benefits the property owner as well. 

Ensures Personal Belongings are Covered

When you move into a new home of any kind in Pomona, CA, you are also going to bring with many of your prized personal assets. If your property is vandalized or damaged by a fire or storm, you could face serious losses. To ensure that you have protection against these risks, all people are advised to have a full renters insurance policy before moving in.

Choosing a new renters insurance policy is a big decision for anyone in the Pomona, CA area. If you are evaluating your options for insurance, you should speak with the team at THINK Insurance & Financial Services first. The insurance team at THINK Insurance & Financial Services has experience in helping many different renters choose a policy that gives them the right liability and personal asset protection.