Call or visit Agape Insurance Services in Santa Fe, NM for your next health insurance quote. Policies include group and private insurance, life & long term
Looking for an insurance policy that fits your budget? Not a problem! Partner with us at AGAPE INSURANCE SERVICES and receive professional assistance from our insurance agents. Visit our office to discuss your requirements with our team. To learn more about our insurance agency and what we offer, call us at (505) 930-5638. We look forward to hearing from you. Providing group and personal insurance coverage options for people in cities, towns, and suburbs near Santa Fe, New Mexico including Espanola, Los Alamos, Las Vegas, Bernalillo, Corrales, Rio Rancho, North Valley, Los Ranchos de Albuquerque, Taos, Albuquerque, South Valley, Los Lunas, Belen, Grants, Raton
[10/26/18] Hello. Its that time of year to get your Medicare figured out for 2019.
This has been an amazing Open Enrollment season . We have met and helped many people with their health medicare and life insurance needs.
There is still time to choose your health insurance plan. December 7th is tge deadline for Medicare and December15th for health insurance.
Bewell New Mexico!
[10/26/17] One of the most difficult things to deal with is being sick without any health coverage, especially if you need to visit a hospital and cannot afford emergency room costs.
[10/24/17] There are a number of types of life insurance- including term and permanent, which are divided again into whole, universal, limited pay, and endowments. The various categories come with various benefits and restrictions that may affect your particular family, and a good agent can help you figure that out.
[10/19/17] Your cholesterol level may end up determining how much your life insurance policy costs. Some agencies treat cholesterol level like a credit score, where up to 270 is a certain level, 270+ is another, and so on.
[10/17/17] Part of the reason you can get a lower premium with an in-network plan is because of allowed charges. These are discounted fees that insurance companies have negotiated with doctors, hospitals, and other healthcare providers. As long as you stay in-network, the healthcare providers will charge this lower rate.
[10/12/17] If you're like most people, you probably have a goal of having some savings built up when you retire. If you require extensive care for a chronic disability or illness, however, those savings can be depleted extremely quickly. Long-term care insurance helps protect your nest egg.
[10/10/17] Because of how the new laws regarding group health insurance are structured, a company cannot be denied coverage based on its previous claims history nor can employees health history bar them from coverage.
[10/05/17] If you are generally healthy, you might consider a health insurance plan with a lower premium where you are required to cover a bigger share of your health costs. This is because, unless you unexpectedly become sick or injured, those costs are most likely not going to be that high.
[10/03/17] Did you know that the average nursing home stay could cost upwards of $85,000 per year? Since this is often enough to wipe out a retirement savings account within the length of the stay, you may want to consider purchasing a long-term care policy to help your money stretch further.
[09/28/17] It’s important to understand the different types of insurance so you can make the best choice. For example, PPO insurance stands for Preferred Provider Organization plans. Under this type of insurance, you must use the doctors and hospitals that are part of the insurer’s network or your copayments and deductibles will be higher.
[09/26/17] When you offer health insurance to your employees through a group plan, you build employee loyalty. So, top employees are less inclined to leave a company and productivity improves.
[09/21/17] While some people look at their whole life insurance policy as an additional investment vehicle, it's important to remember that you cannot invest the cash value in stocks or bond funds.
[09/19/17] The true quality of any insurance policy is generally to be found in the people who are behind that policy. If you chose the wrong company, your heirs may struggle to get the money you are expecting them to receive. Avoiding that is definitely possible if you have the pros' advice to begin with.
[09/14/17] When it comes to choosing the proper health insurance plan, it’s important to keep in mind that there is no one-size-fits-all option these days. Thus, you need to determine the type of coverage you actually need so you can avoid paying for what you don’t.
[09/12/17] While the concept of insurance was first introduced in America by Benjamin Franklin in the late 1700s, the first health programs for employees were first introduced in the 1870s, according to historians.
[09/07/17] Once you have health insurance, it’s important to stay healthy to avoid too many visits to the doctors. Some habits to promote a healthy lifestyle are maintaining a healthy weight by eating healthy and exercising regularly.
[09/05/17] What is an activity of daily living? These are basic, important functions such as getting dressed, eating or taking a bath or shower. For many long term care policies, benefits kick in when the insured is unable to perform a pre-determined number of activities of daily living.
[08/31/17] Term life insurance is a less expensive way to protect your family for a specified time period. The length of term that is typically offered for term life insurance can range from ten to thirty years.
[08/29/17] Are you concerned about the cost for your funeral and the final bill from the hospital? A life insurance policy is a great way to make sure that family members can handle those bills and others.
[08/24/17] One misconception regarding long term care insurance is that it only pays for the cost of care at facilities such as nursing homes and assisted living communities. Long term care will also pay for care at home, including skilled nursing care and therapy services.
[08/22/17] It’s important to remember that the costs of home healthcare and skilled nursing facilities can quickly decimate even a robust retirement savings. In many cases, having a long-term care insurance policy can help to defray these costs.
[08/17/17] Who needs long term care insurance? Roughly 25% of those who use the coverage provided by a long term care policy are over the age of 70, while the vast majority of claimants (64%) are 80 or older.
[08/15/17] When it comes to narrowing down your choices for your personal health insurance plan, there are several criteria to look at, including health benefits, costs in relation to your personal budget, and physician network.
[08/10/17] While no one likes to think about the eventuality of their own demise, anyone with a family that depends on them financially would be smart to take a few minutes to evaluate their coverage. If you aren’t sure whether your life insurance is adequate, we’re always here to help.
[08/08/17] The two main types of life insurance are called term and permanent. Term insurance is offered for a particular period of time. Permanent insurance offers a guaranteed payout upon passing.
[08/03/17] While it can be difficult to predict how much you will spend on health care each year, having a health plan provides financial protection for unexpected and costly medical expenses.
[08/01/17] Pre-need insurance policies can be a great option, especially for the older individual. These policies are typically a limited pay policy that will cover a set amount of money towards predominantly end-of-life care and funerals.
[07/27/17] I have a healthy savings account, so I don’t need to pay for life insurance. Congratulations if that’s truly the case, because studies show few Americans have sufficient savings. A life insurance expert can run a cash flow scenario to determine your precise situation.
[07/25/17] Regarding life insurance, women are more likely to be uninsured or underinsured than men, and in today’s households, a woman’s income would be invaluable to replace if the unthinkable happened.
[07/20/17] Try to always be on the lookout for discounts with your life insurance policy. Just like other bills, they will sometimes offer discounts if you pay annually or if you pay electronically rather than mailing in a payment.
[07/18/17] According to the annual health benefits survey by the Kaiser Family Foundation, the difference between group health coverage and individual coverage was more than $11,000 in 2013. Individuals with insurance coverage from their employers paid an average of $4,565 a year for coverage that cost their employer $16,351.
[07/13/17] Did you know that by offering group health insurance to your employees you can help impact your bottom line? When employees have access to affordable, high quality health insurance, they are able to recover from illness and injury much more quickly and get back to work.
[07/11/17] When it comes to finding group health insurance for your business, you have plenty of options to choose from. This includes everything from comprehensive group health coverage to consumer directed savings plans.
[07/06/17] So, what is an affordable group health plan? It is the one that provides the services that your employees need for the most reasonable rates. Low premiums can be misleading if they cost your employees more in out-of-pocket expenses than a slightly higher premium with better benefits.
[07/04/17] Why do you need long term care coverage? The most recent data available indicate on average individuals who needed long term care required assistance for an average of 1040 days or the equivalent of 2.8 years.
[06/29/17] Variable life and variable universal life insurance policies are permanent policies. These policies have a stock or bond mutual-fund investment connected to them.
[06/27/17] If term insurance is so inexpensive, then why think about any other type of coverage? Many people like the idea of whole life insurance, which adds an investment component to the face value of the insurance. In tough financial times, you can even borrow at a low rate from the investment value of your policy.
[06/22/17] Many people wonder how to save money on healthcare costs. First and foremost, you should commit to healthy living. Eat well, exercise, and steer clear of unhealthy habits like smoking and excessive drinking.
[06/20/17] A premium is the amount you pay to the health insurance company each month in order to maintain your coverage. When buying a health insurance plan, you want to look at this cost and also balance it out against other expenses, such as copayments, deductibles, and coinsurance.
[06/15/17] Like other forms of insurance, there are a number of options available regarding premium, amount of deductible, and total payments received. As such, it is important to work closely with one of our agents to create a plan that meets all of your needs.
[06/13/17] There are many types of plans for insurance coverage. There are HMOs, which are health maintenance organizations; PPO, preferred provider organization; fee-for-service; or indemnity plan. Our experts can go through all of your options for group health insurance and with all our carriers we’ll find the one right for you.
[06/08/17] A health management organization, or HMO, is a type of health insurance plan that provides patients coverage within a network of doctors. Typically, the client must see a primary care physician first, who will then issue referrals to specialists if needed.
[06/06/17] When the government created Medicare and Medicaid programs in 1965, private sources still paid 75% of all of the health care costs. By 1995, individuals and companies only paid for about half of the health care with the government responsible for the other half.
[06/01/17] Did you know that roughly one in four 20 year olds today will become disabled by the time they are 65? This is why disability insurance is so important to have, but many people do not have it.
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Insurance Connection New Mexico http://insurancenewmexico.net
Jose C. Perez Insurance Agency With More Than 10 Years serving the Community of Santa Fe and it surrounding Areas, You Can trust us to ensure your Family and property are Covered. Jose C. Perez Insurance Agency Una decisiion segura!
I sell auto, home, and commercial insurance
A & B Insurance has been in Business since 1998 and offers personal and commercial lines.Car Insurance, Home Insurance, Renters Insurance, Special lines ( motorcycle, boat).
Reynolds Insurance is an independent, full-service insurance company that has been providing quality insurance coverage in Santa Fe, New Mexico, since 1882.
Individual and Family Health Insurance, Marketplace (Obama Care) Insurance, Dental Insurance, Cancer Insurance, Hospital Indemnity Insurance, Medicare Suppplements, Medicare Advantage Plans.
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