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Debbie Cooksey 575-430-2517 | Patricia Papson 575-430-7041 | Christopher Rupp 575-430-1002
FAQ
Frequently Asked Questions
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What is Medicare Advantage?Medicare Advantage is an all-in-one alternative to Original Medicare. These plans, offered by private insurers, often include additional benefits like dental, vision, and prescription drug coverage.
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What does Medigap cover?Medigap, or Medicare Supplement Insurance, helps cover out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles.
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When should I enroll in Medicare?You should enroll in Medicare during your Initial Enrollment Period, which starts three months before you turn 65 and lasts for seven months. If you miss this window, you may be subject to late enrollment penalties.
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What is the minimum car insurance coverage required in New Mexico?New Mexico law requires that drivers carry a minimum amount of liability insurance, which includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage.
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What factors affect my car insurance premium?Your car insurance premium is influenced by various factors, including your driving record, the type of vehicle you drive, your age, and your location. We’ll work with you to find the best possible rate based on your unique circumstances.
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Can I bundle my car insurance with other policies?Yes! Bundling your car insurance with other policies, such as home or renters insurance, can often lead to significant discounts. Ask us about bundling options to save more.
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What does standard home insurance cover?Standard home insurance typically covers the structure of your home, personal belongings, liability, and additional living expenses if your home becomes uninhabitable due to a covered event.
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How is my home insurance premium calculated?Your premium is based on several factors, including the value of your home, the amount of coverage you choose, your location, and your home’s construction type.
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Do I need flood or earthquake insurance?Standard home insurance policies do not cover damage from floods or earthquakes. If you live in an area prone to these risks, we recommend purchasing additional coverage.
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What is Aflac insurance?Aflac insurance provides supplemental coverage that pays benefits directly to you for covered conditions, helping cover costs that your primary health insurance may not fully address.
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How do Aflac benefits work?Aflac benefits are paid in cash directly to you, which can be used for any purpose, including medical bills, living expenses, or other financial needs.
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Can I add Aflac insurance to my existing health plan?Yes, Aflac insurance is designed to work alongside your existing health insurance, providing additional coverage and financial support.
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What does vision insurance cover?Vision insurance typically covers routine eye exams, prescription glasses, contact lenses, and may offer discounts on additional eye care services.
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How often can I use my vision insurance benefits?Most vision insurance plans allow you to use benefits for eye exams and eyewear annually. Check your specific plan for details on the frequency of coverage.
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Can I use vision insurance for LASIK surgery?Some vision insurance plans offer discounts on LASIK consultations and treatments, but coverage varies by plan. Contact us for more information on LASIK coverage.
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What types of business insurance do I need?The types of insurance you need depend on the nature of your business and its risks. Common types include general liability, property insurance, workers' compensation, and professional liability.
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How much coverage should I have?Coverage amounts vary based on factors such as the size of your business, industry, and specific risks. We’ll work with you to determine the appropriate coverage limits for your needs.
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Can I bundle business insurance policies?Yes, many insurance providers offer bundled policies, which can provide comprehensive coverage at a discounted rate. Contact us to explore bundling options for your business.
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