3 Tips for Picking the Right Health Insurance Plan

With all of the health insurance plans out there, it’s not always easy to determine which plan is best for your individual needs. The Martin Insurance Team serves residents of Evergreen Park, IL and can help you make this important decision involving your health. Here are three tips for figuring out the insurance plan you should select.

Take a Look at the Benefits

Read the fine print so that you can make an informed decision and chose a plan that’s a good fit for you and your family. Some plans have better coverage for different aspects of care, such as when you’re traveling abroad, for specific pharmaceuticals or for mental health issues. Talking with someone in person is also beneficial to help you understand the various plans you’re considering.

Look at Your Healthcare Spending Patterns

Consider how much you spend each year on healthcare. Do you typically reach your deductible? If you didn’t by a wide margin and you predict a similar scenario for the upcoming year, you should consider a plan with a deductible that’s even higher, which means your premium will likely be lower. 

If the opposite is true and you met or exceeded your deductible — or if you will have upcoming medical costs, such as for a planned surgery or if you’ve been diagnosed with a disease such as diabetes — then consider opting for a plan with a lower deductible and higher premiums.

Avoid Unnecessary Out-of-Pocket Costs

This may seem obvious, but make sure your primary doctor accepts your insurance plan. Otherwise, you may have to switch doctors or pay out-of-network rates, which won’t be wallet-friendly. You may want to call to double-check if your doctor is in-network for the plan you’re considering to make sure you have updated information.

You can learn more about the type of health insurance plan that’s right for you by contacting the Martin Insurance Team, serving Evergreen Park, IL. Don’t hesitate to get in touch with us today!

Do You Need Disability Insurance?

Disability insurance is not something that many people know about. For some, however, it is essential and is a great thing to have. For those workers that feel they may need disability insurance, the helpful agents at Martin Insurance Team in the Evergreen Park, IL area can help you to find the right disability policy for you.

So what is disability insurance? This insurance takes the place of a disability payment should the worker become injured. This policy is going to help pay wages for the injured worker should they become injured and not able to work. This helps prevent the need to go through the process of applying for disability through your work or through your local government.

So who needs this type of insurance? Workers that are at risk to become injured at work, workers that have a job site that is not likely to pay out disability payments, or for those workers that do not want to deal with the hassle of filing for temporary disability, this might be the right solution for you. You can take our policies with a wide range of coverage to help you pay your bills while you are injured based on what your current pay is and based on what amount of money you need to be able to pay your bills each month.

You should note however that this type of insurance is still going to require that you prove you are disabled and show what happened as well as doctors notes to prove that you have been hurt. This is going to help to make sure that you get the right payout and that your policy is going to help pay the bills.

For those that live in the Evergreen Park, IL area, the agents with Martin Insurance Team can help you determine if you need a disability policy and what amount of coverage you need to be safe and secure.  

Understanding the Risks and Responsibilities of Motorcycle Ownership

Riding on the open road. The wind in your face. No doubt about it a motorcycle is just cool. However, there is a lot more to motorcycle ownership than just looking cool as your ride down the road. Understanding the risks and responsibilities of bike ownership is crucial to making the most of your bike. 

Safety

it is the reasonability of the owner of the bike to know how to operate the bike safely. Driving a motorcycle is nothing like driving a car. Just because you can drive a car does not mean you will be great at driving a bike. In order to learn the best safety practices when driving your bike, it would be in your best interest to take a motorcycle safety course. This will give you the chance to learn everything you need to know from a professional. 

Risks

If you choose to own and drive a motorcycle then you should also understand the risks involved with that ownership. There are an entirely different set of risks involved in driving a motorcycle than there are in driving a car. Never assume you know everything. Learning about the risks involved is the best way to avoid those risks. You should understand the dangers of driving in certain types of weather as well as in certain types of areas. You should also learn how to interact appropriately with the motorists around you on the road. 

If you have recently purchased a motorcycle or are considering purchasing one, take the time to find a quality motorcycle safety course or driving course in your area. Learning how to drive and operate your new bike from a professional will go a long way in preventing problems in the future. If you would like to learn more about bike ownership and bike insurance contact Martin Insurance Team serving Evergreen Park, IL. 

What You Need to Know About Transportation Insurance Before You Move

A move can be a busy and stressful time in the life of any family. Worrying about your possessions while they are being handled by movers or being transported to your new address is something you do not need. Transportation insurance for movers can help alleviate that worry. The Martin Insurance Team in Evergreen Park, IL can better help you understand your options. 

What is Transportation Insurance or Mover’s Insurance?

This type of insurance covers cargo that is being transported from one point to another. If you are going to be handing your possessions off to a third party, you will want to insure those possessions while they are in their hands. You should note that transportation insurance does not usually apply if you are moving the items yourself. 

Does My Homeowner’s Insurance Cover This?

The homeowners’ insurance on your previous house may contain some coverage for you during a move, but in most cases, it will not cover all of your possessions while they are being moved by a third party moving company. 

Where To Get This Insurance?

Many moving companies themselves will offer some form of transportation insurance for you. You can learn about these services when you are arranging for your move. Be sure to read the insurance policy carefully which they are offering. Sometimes these are very basic and may not cover all of the details which are important to you. If you are not comfortable with the insurance being offered, then you can look elsewhere to find a policy that is more customized to your particular situation. 

Prized Possessions

If you will be moving certain items that are very expensive or very important, then you will want to handle those items yourself or have them well insured. Do not leave your most important items up to chance. 

Transportation insurance is a great safety net to have for your family during a move. To learn more contact Martin Insurance Team serving Evergreen Park, IL.

 

What is Malpractice Insurance?

Medical malpractice insurance is not a requirement in the state of Illinois, however, many professionals opt to buy this indemnification for that protection it provides. Industries, where malpractice insurance is most common, are among doctors, those working in the field of dentistry, psychology, those who work in pharmacies, and in various levels of nursing, optometry, and physical therapy. 

What Does Malpractice Insurance Cover?

Malpractice insurance is a type of commercial insurance, and it will protect you in situations where you are sued due to errors that result in damage to your patients. In the event that a lawsuit is brought against you, your policy will help cover costs that are from legal fees and bills arising from arbitration, going to settlement and damages that are awarded for punitive, compensatory, and medical reasons. 

You’ll need to consider if you want ‘claims-made’ coverage that will address suits and injuries that arise during the time in which you are insured or an ‘occurrence’ policy that will cover those that are filed regarding incidents that happened while you were insured, even if they occur at a later date.

It is always important to remember that legal action can be taken long after the offending action was taken, and you can also purchase ‘tail’ coverage to extend past the date when you cancel your insurance by a certain number of years. Also important to remember is that malpractice insurance does not apply to criminal activities or falsification of medical records. 

Martin Insurance Team Located in Evergreen Park, IL Wants to Help You

Bring your insurance needs to Martin Insurance Team, and we will do our best to tailor a commercial insurance package to you. We have experience serving customers in the Evergreen Park, IL and look forward to working with you. Stop by or contact us online to discuss any questions you may have about commercial insurance today!

Risks You Take If You Don’t Have Life Insurance

Thinking about what would happen if you pass unexpectedly and leave your family is almost unbearable. Thinking about what would happen if you passed and didn’t plan anything to leave for your family is even worse. This is a very hard topic to think about, but that’s exactly why you do need to think about life insurance. Serving Evergreen Park, IL, Martin Insurance Team is here for you during all of life’s milestones, good and bad. If you plan for the worst, you might be able to make it just a little more bearable. Following are just some of the risks you take if you forego life insurance.

The most apparent risk of going without life insurance is not leaving anything to provide for your family, especially if you are the main income earner for your household. However, another monetary aspect people don’t often think about is their debt. When you die, your debt doesn’t just magically go away. Without life insurance, you risk passing your debt on to your loved ones.

If you don’t have life insurance now, you also risk paying more later. Generally, the younger and healthier you are, the lower your premiums are going to be. If you wait until you’re older and potentially develop health conditions, you’re going to end up paying more. The benefits of having life insurance are much more than just leaving money for your loved ones, so the sooner you take out a policy, the sooner you can enjoy those benefits.  

Martin Insurance Team is here to help anyone in Evergreen Park, IL and the surrounding area plan for the future with life insurance; get in touch with us today!

When Is Auto Insurance Necessary?

Driving a car is a major responsibility that requires you to ensure you are following a variety of different laws. One major decision that you will have to make when you drive a car is picking the right type of insurance. While there are some types of insurance that are not required by law, there are several situations in which you will need to have auto insurance if you want to drive a car in the Evergreen Park, IL area.

Illinois Minimum Coverage

If you want to drive a car in Illinois, you will be mandated by law to carry a certain level of liability insurance. In Illinois, you will need to make sure that you have at least $25,000 in liability property damage coverage. You will also need to have bodily injury coverage of at least $25,000 per person with a cap of $50,000 for every accident. This type of coverage is mandated by law, but will only provide protection for which you are liable to another person.

You Have a Loan Outstanding

When shopping for insurance, it is very important to consider the minimum State requirements. However, you also need to consider other factors that can influence your insurance requirements. If you have a loan against your vehicle, your lender will undoubtedly require that you have auto insurance in place at all times. This requirement will also make you need to have collision and comprehensive coverage, which will provide you with coverage for a wide range of incidents.

As you are shopping for an Evergreen Park, IL insurance policy, you should contact the Martin Insurance Team. When you meet with the team at the Martin Insurance Team, you will receive more guidance and support. This will help to ensure you get into the best policy possible. 

Tips for Keeping Your Guests Safe

While hosting guests in your living space, their safety should be a priority. Home accidents can be fatal and often result in huge medical bills. Also, your guests will be more comfortable if they feel safe in your living space.  As such, it is vital to take some considered measures to guarantee their safety and comfort.  Here are some useful tips to keep guests safe in your Evergreen Park, IL home:-

Ensure toy safety
If some of your guests have children, ensure that they are playing with toys of the recommended ages. In most cases, this will be mentioned on the label. Toys and their parts pose a serious health hazard especially if they are too small to fit into the child’s mouth as the child could choke on it. Dispose of broken toys or repair them. If a broken toy has a harp edge, it could harm the children as they are playing. 

Observe food safety measures
Food-related ailments are quite popular. Washing your hands thoroughly before, during and after preparing food for your guests reduces the chances of bacterial contamination. Refrigerate any leftovers within two hours after preparing it as leaving it out too long could lead to contamination. 

Insure your home
In as much as you have observed every safety measure in the group, accidents still do happen. Having your home insured will ensure that you are covered for any medical bills should guests get injured within your property. Further, should they sue you for such an incident, the insurance company will compensate you. Any damaged property is also covered under a home insurance policy. A home insurance coverage also has a liability coverage option that pays to represent you in court if you are sued after an accident. 

The Martin Insurance Team is ready to discuss your Evergreen Park, IL home insurance requirements and options. Get in touch with us today for a free estimate of your home insurance policy. 
 

What Is Disability Insurance?

If you own a business in Evergreen Park, IL, one of the essential insurance coverages you need to get is disability insurance. This policy pays part or all of the employee’s salary if the employee has become disabled or isn’t capable of doing their job after work-related injuries or illnesses.

In most cases, disabilities come from on the job injuries or accidents, including other debilitating illnesses like a heart attack or cancer. The coverage can pay disabled workers the income they lose as they recover from an injury or disease. At Martin Insurance Team, we can provide disability insurance designed to suit your business needs.

Reasons to get a disability insurance plan

Unlike the social security disability that protects employees after attaining a certain age and restricted at a maximum monthly payout no matter what the worker’s income was, a private disability insurance covers approximately 70% of an employee’s salary at any age in case a disability arises.

This coverage can cover workers through their companies, but most employees have limited coverage or no coverage at all. Such people can get private disability insurance in order to protect their earnings and provide for the family should an illness or an injury occur at work and prevent them from working.

Types of disability insurance

Private disability is a type of disability insurance that comes in the form of a long-term or short-term disability insurance package. A short-term policy usually covers the disabling illness or injuries for up to 6 months while a long-term one covers the worker’s salary throughout their lifetime if necessary. Some insurers also offer additional options and protections like guaranteed renewal, cost of living adjustment, and refunding of certain premium payments in case an employee doesn’t become disabled within a stated time.

For more details on your disability insurance options in Evergreen Park, IL, contact Martin Insurance Team today.

Do You Need Insurance for Your Motorcycle Passengers?

At Martin Insurance Team in Evergreen Park, IL we typically advise our clients to have motorcycle insurance in place, even when it is not required. Damage can happen to your bike and there are many situations when repair or even replacement are necessary. In addition to coverage for the bike itself, we are often asked about policies that include coverage for any injuries that could befall your passenger. In most situations, we find that having coverage in place for your passengers can provide you with the peace of mind that comes with knowing that you are protected in the event of a mishap.

Comprehensive Coverage for Your Motorcycle Passengers

When you take a passenger with you for a ride on the back of your motorcycle, you can be held liable for them in certain instances. By having a comprehensive policy that includes your passengers, you are protecting both them and yourself. Mishaps can happen when riding on a bike, and medical attention may be required in many situations. If you are looking for a policy that covers you in the event of injury as well as your passengers, we can help. Motorcycle insurance should cover your bike and any damage that it receives, but in many cases, this type of base insurance policy is not enough. Do not leave yourself open to liability issues if you are involved in an accident that harms your passenger. There are a number of policy options available for you to review with our agents.

Call or Stop By Today to Learn More About Your Coverage Options 

Comprehensive coverage for motorcycle enthusiasts is always worth discussing. Call the Martin Insurance Team today to learn more about your motorcycle policy options for your passengers here in Evergreen Park, IL.