7 Basic Health Care Insurance Benefits

Health insurance today can be complicated, but if you live in the Manassas, VA area, you know you need health insurance.  No one plans to get hurt or be sick, but it happens, and you’ll need medical care.  There are several benefits to having health insurance, and these 7 benefits are only the basics.

  1. Coverage for outpatient health care to see your medical provider for preventative care, such as annual health screenings and checkups is to your overall health benefit.
  2. An unexpected trip to the emergency room can add up fast.  Most healthcare packages can cover the majority of that emergency visit.
  3. Receiving prenatal care during pregnancy and then pediatric care for the baby after birth is essential.  Early medical monitoring and checkups are important to the health and development of children.
  4. If you need to be admitted to a hospital for medical care or surgery, insurance benefits are vital.  The costs of an admission and stay will run into the thousands without coverage.
  5. If you or a loved one suffers from a chronic illness or needs acute care from a serious accident a health care plan will be essential for prescriptions, medical devices, recovery therapy, lab tests, and other medically necessary services.
  6. Mental health care for outpatient therapy and medication can be covered, as well as a necessary inpatient stay for an acute or severe mental disorder.
  7. Substance abuse disorder care, which can include individual or group therapy, medication replacement treatment, inpatient detox, and residential services can be a benefit of your health insurance policy.

Diverse Insurance Solutions

Diverse Insurance Solutions provide health insurance to those in the Manassas, VA area.  Contact a Diverse agent today and let us do the shopping for the best deal on the health insurance coverage you need.

How old should I be before I worry about getting life insurance?

Many people think they can safely wait until they are older and more financially stable before they purchase life insurance. Unfortunately, if you wait, the time will be less than optimal, for multiple reasons.

If you are in or around Manassas, VA and want to become more informed about life insurance, Diverse Insurance Solutions has options for every age and situation. You will be able to purchase a policy that fits your budget, and you can always add to your policy at a later date.

The best time to purchase a life insurance policy is immediately after birth. Life insurance is “age-banded,” which means that the amount of the premium goes up every year. If a parent buys a whole life insurance policy for a new baby, he or she can pay a lump sum for all the payments up until the child turns 18. That way, the policy will be there waiting when the child becomes an adult, at the lowest possible price. It can even be cashed in for one-time purchases like a down payment for a house. Not only that, the money is tax-deferred until that time.

The longer you wait to get a life insurance policy, the more expensive your policy will be. You may also run into other problems which make your policy more expensive. If you end up developing a serious health condition, the premium on a new policy will be more expensive. If you have a locked in price, you won’t have to deal with that.

If you are in Manassas, VA and don’t already have a life insurance policy, you may be waiting until you think you can afford it. Call Diverse Insurance Solutions today to find a policy that works for you right now.

When to Upgrade Your Commercial Insurance

Business owners don’t have to be told that their business isn’t static. From seasonal highs to yearly lows, profits can be affected by any number of things whether they’re predictable or not. But not all business owners realize that their insurance may need to change drastically when things take an upturn. When revenue starts to swing toward the top and expansion is on everyone’s mind, owners in Manassas, VA need to be prepared to turn to their agent for a little help. 

Increased Space, Inventory, and Staff 

These are typically the three major changes that business owners may want to consider upgrading their coverage for. Essentially, they all represent more to lose for the owner. The more space an owner has, the more expensive it will be to fix if it’s damaged. The more inventory you have, the more coverage you’ll need to replace it all. But the real threat may just be the extra staff you hire. Between workers’ compensation and general liability, the odds of having a claim filed against you can increase dramatically. Smart hiring practices can help, but they can’t always safeguard you from every type of claim. 

Talk to Diverse Insurance solutions

The business owners of Manassas, VA can count on Diverse Insurance Solutions to give them real advice about their commercial insurance. Most owners don’t even begin with the right coverage, let alone upgrading it when their business starts to change. There are a number of additional reasons why business owners may want more protection, from new regulations to changing priorities, so let us help you navigate it all. Give us a call to talk to one of our friendly agents or for a quote so you can get a plan that will be there for you if something goes wrong!

Are You Required by Law to Have Motorcycle Insurance?

When it comes to motorcycle insurance in the state of VA, you are either required to have the minimum amount of coverage or pay what is known as the  Uninsured Motor Vehicle (UMV) fee. While this may seem like a good idea, it is important to note that you do not get any type of coverage when you pay this feel. The only thing it will do is prevent you from getting into any legal trouble if you are caught driving without insurance. However, if you are in an accident, you can still get in some financial trouble by having to pay medical fees and other fees. Here at Diverse Insurance Solutions, serving Manassas, VA, we think it is always best to get motorcycle insurance. 

What Are the Minimum Insurance Requirements?

If you opt to get coverage for your motorcycle instead of paying the UMV fee, then you need to make sure that you are at least meeting the minimum state requirements in Virginia. To do that, you need to make sure that you have at least $25,000 in coverage for bodily injury or death of one person. You also need to make sure you have at least $50,000 in coverage for bodily injury or death of two or more people. Lastly, you need to make sure that you have at least $20,000 in coverage for property damage. If you do not have at least these coverages, then you will not be meeting the state minimum requirements by law. 

If you would like to learn more about motorcycle insurance or explore your options, be sure to reach out to us at Diverse Insurance Solutions, serving Manassas, VA, today. We will help you find the right policy that meets the state minimums as well as fits within your budget. 

Why Must Motorcycle Helmets Be DOT Approved?

The state of Virginia requires everyone who operates or rides on a motorcycle to wear a DOT Approved motorcycle helmet. Helmets that meet federal safety standards have been proven to reduce the risk of head injuries and fatalities when worn properly. The agents at Diverse Insurance Solutions understand the importance of wearing the right type of helmet. If you live in or near the Manassas, VA area and have questions about your helmet or the type of helmet you should purchase, the agents can answer all of your questions. 

DOT Certified Helmets Meet Federal Safety Standards

The Department of Transportation has created a set of safety standards that are in place to protect you from bodily injury if you are ever involved in an accident. If you aren’t sure that your helmet is DOT certified, look at the back of the helmet. There will be a sticker that visibly states DOT, FMVSS 218, Certified.

DOT Certified Helmets Reduce Fatalities

It has been proven that the use of helmets certified by the DOT dramatically reduces the risk of head injuries and fatalities when worn properly. It’s estimated that wearing a helmet reduces the risk of a fatal injury by almost 37%. In 2015, it was estimated that almost 1,775 lives were saved due to the usage of DOT approved helmets.

At Diverse Insurance Solutions, the safety of our clients is our primary concern. Residents of Manassas, VA, and the surrounding communities are encouraged to call or visit the office to find out more information concerning the benefits of wearing a DOT approved motorcycle helmet. Don’t risk your safety! Call the office today!

 

What does boat insurance cover?

While many consumers understand the basics of home and auto insurance, purchasing an insurance policy for your boat is a bit different. It is critical for boat owners to take time to learn what insurance options are available and build a policy that will protect both you and your boat from losses. Whether your boat is on the Chesapeake Bay or elsewhere in the Manassas, VA area, it is critical to have a solid insurance plan, and an agent at Diverse Insurance Solutions will be happy to assist.

The primary coverage in a boat insurance policy is collision coverage. Collision coverage will cover the cost to repair or replace your boat in the event of a collision. It is important to discuss with your agent whether you want to insure for the replacement cost, cash value or a predetermined value. It is also essential to talk with your agent whether or not you want to include coverage to clean up the wreckage in the event of a crash.

A boat insurance policy also provides coverage for property damage. This coverage is meant for damage you cause to another person’s boat or any other structures such a the dock.

Boat insurance also has bodily injury coverage. Bodily injury coverage will assist with expenses as a result of an injury you cause to a third party including medical bills, legal fees and even damages awarded for pain and suffering.

Many insurance companies also offer comprehensive coverage that covers the boat if it is damaged in an event other than a collision such as vandalism or theft.

In addition to the basic coverage options under a boating policy, you will be able to purchase add-ons such as coverage for oil spills or your fishing equipment. It is important to discuss your particular situation with your agent to determine which add-on policy options are right for you.

If you are interested in learning more about boat insurance, please reach out to a specialist at Diverse Insurance Solutions. We proudly serve the Manassas, VA area.

Important Factors to Consider When Choosing a Motorcycle Policy

Motorcycles provide a lot of enjoyment and offer an exciting way to travel whether you are running around town or out on the road. Choosing the right motorcycle insurance is an important part of ownership and a decision that should not be taken lightly. Comprehensive coverage is even more important with a motorcycle and there are several components that a policy should contain. Diverse Insurance Solutions offers complete motorcycle policies at varying levels that are suitable for a multitude of situations. If you are a motorcycle enthusiast in the greater Manassas, VA area our agents are here to help you get the protection that you need.

Coverage to Look for in Your Motorcycle Insurance Policy

  • Liability
  • Comprehensive and Collision
  • Uninsured and Underinsured Motorist
  • Medical Coverage
  • Roadside Assistance
  • Full Coverage

The coverage amount necessary in each of these coverage areas will vary in every situation and this list offers a good starting point to help navigate the motorcycle insurance process. Our agents are fully trained and knowledgeable about motorcycle insurance and can help you find the right policy for your needs. Motorcycle insurance is a requirement in every state and it is not something that should be overlooked. If you are thinking of purchasing a motorcycle, Diverse Insurance Solutions a call to ensure that you get the coverage you need. We are proud to serve the Manassas area and would welcome the chance to work with you.

Diverse Insurance Solutions is a full-service agency and we are here to help you make sure you have the comprehensive coverage that you need in the Manassas, VA area. Our agents are available to meet with you at our offices and by appointment. Please give us a call today at (571) 989-6399 to schedule an appointment.

Floods Are Not Covered With Homeowner’s Insurance

Floods can happen anywhere, at any time. For this reason, it is wise for homeowners’ to know what their insurance policies cover, and do not cover. For instance, a standard homeowner’s insurance policy does not cover floods or bursting pipes inside the home. In order to protect your property, you need to invest in flood insurance.

How To Purchase Flood Insurance

Flood insurance is purchased through an insurance provider who obtains it through a government program. Contact your local provider for prices in your area. Have the information you need for your homeowners’ insurance in order to purchase your flood insurance policy. Your flood insurance policy is paid in a yearly lump sum in most cases. You should also plan ahead when purchasing flood insurance because there may be a period in which the policy takes to go into effect from the purchase date.

Don’t Wait For An Impending Disaster

Don’t wait to get the coverage you need. Because of the waiting period, you may leave yourself without protection that can help you recover from a potential flooding event. Take steps to purchase your flood insurance as soon as you purchase your home and keep the coverage in place year round. For more information on flood insurance coverage in  Manassas, VA, Diverse Insurance solutions can give you the answers you need. Call or stop in today to get started protecting your belongings from flood events. 

Floods can catch homeowners off guard if they do not have the flood coverage they need. Don’t put yourself in a situation where you can’t replace your belongings. If you live in Manassas, VA, Diverse Insurance solutions has you covered.

Can My Husband and I Carry Kids on Two Different Health Insurance Policies?

If you and your husband are both able to obtain health insurance plans, you may be thinking about doing so. But many people are not sure if kids can be carried on two different health insurance policies or not. Here is some information from Diverse Insurance Solutions, serving the greater Manassas, VA area in regards to kids and double insurance policies. 

Can Kids Be On Two Different Insurance Policies?

Both kids and adults can be in two different health insurance policies at one time. This is called having double coverage. Most people who have double coverage have the double coverage because both them and a spouse are eligible for health benefits through their employer. But some people do carry health insurance with their employer and pay for a second policy completely on their own. 

What Are the Benefits to Having Kids on Two Policies?

Insurance policies do not cover all of your health insurance costs. They typically only cover a percentage of the costs once a deductible is met. When a child or an adult has double coverage, the insurance policies overlap, typically covering the full cost of health insurance costs. In most cases, you do still have to meet your deductible for both policies. However, once that is met, both policies kick in and provide the coverage offered, reducing your out-of-pocket medical expenses. 

If you are interested in learning more about health insurance or are looking to obtain quotes for a first or second policy, contact Diverse Insurance Solutions, serving the greater Manassas, VA area today. We can answer any questions you have or provide you with a free quote. 

 

Choosing a Life Insurance Policy: Term vs. Whole Life

The benefits that come with having life insurance aren’t necessarily for you, they are for your family. Life insurance exists as a way to provide a policy owner with peace of mind that they’ve done everything they can to insure that their loved ones can maintain their quality of life should you not be able to provide anymore, particularly in the case of death.

This desire to provide for your loved ones in the event of your death may trigger your decision to purchase a life insurance policy, but when it comes to determining the best policy for you and your family there are other details that ought to be considered. Diverse Insurance Solutions offers a range of insurance options to help you with this choice.

Term vs. Whole Life Policies

The primary choice you need to make when you are looking at life insurance policies is whether to go with a term policy or a whole-life policy. Put simply, this means you need to choose whether you are going to purchase a policy that is going to last for an agreed upon term of your life, or whether you are going to purchase a policy that is guaranteed for your entire life, regardless of age.

When broken down to its core like that, many people will opt for whole-life, as it guarantees funding for your loved ones in the event of your death at any age. But some people feel that this isn’t necessary, as perhaps your family wouldn’t require as much monetary support following your death at an elderly age. Term life insurance policies provide coverage up until an agreed upon age, most frequently the age of retirement—typically around 70 years. In the event of death prior to the age agreed upon, the insurance policy provides your family with the proper payout. Following that age there will be no payouts.

The reason term life insurance policies are so popular is because they are typically a great deal cheaper than whole life insurance policies. This is a cost-benefit analysis that you need to make as an individual. There are always benefits to maintaining that whole-life policy, as monetary support to your family can be helpful to aid with medical bills or funeral expenses at any age. However, whole life policies are more expensive, so you need to decide if that is a monthly expense that you are willing to make for the rest of your life. Talk to an insurance expert in Manassas, VA to find out more about life insurance options for you.