Insurance Company in Fresno

Finding the right insurance coverage can be overwhelming, but it doesn’t have to be. At Professional Benefits Team Inc, we help individuals, families, and businesses in Fresno find the right insurance solutions to fit their needs. With us, you get tailored insurance policies backed by professional support and a commitment to your financial security.

Call us today at (559) 275-7706 to discuss which insurance options are best for you!

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Professional Benefits Team Inc’s Insurance Plans Offer Comprehensive Coverage

Professional Benefits Team Inc understands that life can be unpredictable, and unexpected medical expenses can quickly add up. That’s why our insurance plans offer comprehensive coverage for various healthcare needs.

This includes:

• Medicare advantage plans
• Medicare supplement plans
• Prescription drug plans
• Senior life insurance
• Voluntary benefits
• Dental and vision insurance
• Disability insurance
• Group health insurance
• Life and AD&D insurance
• Long-term care insurance
• Individual health insurance

What Does Health Insurance Cover?

Health insurance is designed to help cover the costs of medical care so you can focus on staying healthy without worrying about expensive bills. While every plan is different, most health insurance policies generally cover a range of essential services, including:

• Routine check-ups and preventive care
• Emergency room visits and hospital stays
• Prescription medications
• Specialist visits
• Mental health services
• Maternity care and pediatric services

It’s important to carefully review your policy and talk with our insurance agent to understand what’s covered under your specific plan.

Will Private Health Insurance Cover Past Bills?

Private health insurance typically does not cover past medical bills. Health insurance is generally designed to cover medical expenses that occur after the policy starts. This means that for treatment received before you sign up for a policy, your new insurance provider will not retroactively cover those costs. However, if you were uninsured at the time of treatment, you may be able to work out a payment plan or negotiate a discount with healthcare providers.

There are some exceptions, though. If you had health insurance at the time you incurred the bill, but you were waiting for coverage to take effect, you should reach out to your insurance provider. We’re also available to guide you through this process, as well.

How Are Health Insurance Premiums Calculated?

Health insurance premiums aren’t random—they’re based on several key factors that influence the overall cost of coverage.

Here are the main factors that determine how much you pay for your health insurance premium:

• Age: Generally, the older you are, the higher your premium will be. Insurance companies charge more as the risk of medical issues increases with age.
• Location: Where you live affects your premium due to differences in healthcare costs, local regulations, and provider availability in your area.
• Tobacco use: Smokers and tobacco users often pay higher premiums because they’re at a greater risk for health complications.
• Plan type and coverage level: Plans with lower deductibles and broader coverage typically have higher premiums, while high-deductible plans usually have lower monthly costs.
• Number of people covered: If you’re covering a spouse or dependents under your plan, your premium will be higher than for an individual plan.

Can You Get Life Insurance if You’re Sick?

Yes, you can still get life insurance even if you’re sick, but it depends on the specific circumstances and the type of policy you’re looking for.

Some policies, like guaranteed issue life insurance, don’t require a medical exam and are designed specifically for people with health issues. While these policies may cost a bit more and have limited payouts during the first few years, they can still provide added assurance for you and your loved ones.

We’re always happy to talk through your options and help you find a plan that works for you.

What Is the Difference Between Term and Whole Life Insurance?

Term and whole life insurance are two common types of policies, but they work quite differently.

Term life insurance covers you for a set period, like 10, 20, or 30 years, and is often more affordable because it only provides coverage for that specific time frame.

On the other hand, whole-life insurance lasts your entire lifetime and builds cash value over time, making it more expensive, though it offers more long-term benefits.

What’s the Difference Between a Co-Pay and a Deductible?

There are a few aspects of insurance policies that can be confusing, and understanding the difference between a co-pay and a deductible is one of them. Both are out-of-pocket costs you may have to pay for healthcare, but they work in different ways.

A co-pay is a fixed amount you pay for certain medical services, such as a doctor’s visit or a prescription. For example, if your insurance plan has a $25 co-pay for a primary care visit, you’ll pay that amount at the time of the appointment, regardless of the total cost of the service.

A deductible, on the other hand, is the amount you must pay out of pocket before your insurance begins covering a larger portion of your medical expenses. If your plan has a $1,500 deductible, you’ll need to spend that much on covered medical services before your insurance starts sharing costs. Once the deductible is met, you typically pay a smaller percentage of costs through co-insurance, while your insurance covers the rest. Some services, like preventive care, may be covered before you reach your deductible, depending on your plan.

Essentially, a co-pay is a set fee for specific services, while a deductible is the total amount you must pay before insurance kicks in for most costs.

Get the Right Insurance Policy for Your Needs

Health and life insurance are the most important investments you can make for yourself and your family. Whether you need protection for medical expenses or want to ensure financial security for your loved ones, we’re here to help. Our team at Professional Benefits Team Inc is dedicated to finding the right insurance policy for your needs and budget. We offer a range of options and can work with you to customize a plan that fits your lifestyle.

Looking for an insurance company in Fresno? Contact us at (559) 275-7706.