Medical Insurance

Do I need Medical Insurance?

We recommend that everyone should sign up for Medical Insurance because medical expenses are too High to cover when paying out of Pocket. Medical bills can cause debt and financial burden.

Medical Insurance helps with preventative visits, which aid in preventing disease and sickness. Choosing a Medical Insurance Plan can be tricky because of rules within plans regarding in and out of network services, deductibles, co-pays, and more.

This is where Laurel Insurance Agency & Associates comes in. We are able to present our clients and their employees, the best Insurance Solutions on the market. Our agents focus on ensuring all your questions are properly answered.

Contact us today to learn more about the Medical Coverage Plans available for your company >

10 Essential Medical Benefits

Medical Insurance Coverage is easily broken down by the the Affordable Care Act, which requires that major Medical Insurance Plans meet and cover the following healthcare related essentials.

• Laboratory services
• Emergency services
• Prescription drugs
• Mental health coverage & substance use disorder services
• Pregnancy, maternity, & newborn care
• Pediatric services, including dental & vision coverage for children
• Rehabilitative and habilitative services
• Outpatient care (ambulatory patient services)
• Preventive & wellness services & chronic disease management
• Hospitalization for surgery, overnight stays, & other conditions

* Copays and deductibles may apply to these services.

Frequently Asked Questions

+ How can I check to see if my current insurance is active?

You can see if your current insurance is active by visiting our Carriers Page. You can select your insurance company and the corresponding page provides you with the appropriate information to best assist you.

+ How do I make a change to my policy?

For any policy changes, contact us by calling us at (956) 724 9083. We have a 24 hour answering service. You may also Email us at Info@LaurelAssoc.com.

+ How can I learn more about my current insurance?

Visiting your insurance portal provides many perks; you can view breakdowns as well as additional coverage information about your insurance plan. We recommend visiting our Carriers Page and downloading the corresponding app for your insurance company. With the simple use of the app you can view the summary and details of your current insurance plan.

+ What is a deductible?

In an insurance policy, the deductible is the amount paid out of pocket by the policyholder before an insurance provider will pay any expenses. Some insurance claims may not be subject to a deductible, but this all depends on your insurance plan.

+ When does my Health Insurance Plan start?

Most Health Insurance Plans operate on a yearly schedule which means that they begin on January 1st and run to December 31st. This is when open enrollment comes into play which sets a period of enrollment for Health Insurance, based on what the Affordable Care Act initiated to “prevent people from waiting until they get sick or injured to go shopping for coverage.” Learn more about open enrollment >

+ What is a co-pay?

A co-pay is a fixed amount for a covered service (by your insurance), that is paid by the patient to the provider of the service. The co-pay may be defined in your insurance policy so looking at your coverage is always useful. For help with this visit our Carriers Page >