Considerations When Selecting Your Medical Insurance

There are many factors to consider before selecting a medical plan. While many people have coverage through an employer, you may pay for your own medical insurance. Either way, you want the best options you can afford, including prescription, medical, and emergency care, such as ambulance transportation. Ask your Nieroda Insurance Agency representative for more information. In the meantime, here are some tips to get you started selecting your medical insurance in Saint Charles, MO.

General Practitioner Coverage

Some healthcare policies have a pre-approved network of doctors. If you want to keep your current physician, check whether they accept the health care plan you’re purchasing. To choose a new doctor, check out the directory provided by your insurer or ask for a recommendation.

Refer to the American Medical Association for reviews and complaints. Make sure the office hours match your availability.

Emergency and Hospital Care

Figure out what hospitals and emergency rooms your plan covers. It’s important to check the fine print on this portion of your coverage since various plans have unique definitions of what constitutes an emergency. Something that seems obvious to you may not be covered, for example. 

Prescription Drugs

Prescription drugs can be very expensive to pay out of pocket. If you have a monthly prescription, you need to choose a health care plan that covers that. Also, consider whether the coverage is mail order or pick up from a pharmacy and choose the plan that best suits your requirements.

Contact Us

Contact Nieroda Insurance Agency for all your insurance issues. Feel free to ask any questions about obtaining health insurance in Saint Charles, MO or make an appointment for a quote.

 

 

Why is Auto Insurance More Expensive for Some Drivers?

Auto insurance is something that we are all required to hold by law to protect ourselves and other drivers on the road. The right auto policy might be more expensive for some drivers than others and knowing what causes these differences in pricing may affect what type of policy you take out and what you do to insure yourself. For those that live in the Saint Charles, MO area, the agents with Nieroda Insurance Agency can help you understand the pricing for particular insurance policies.

For the most part, drivers are subjected to a certain rate across the board that is adjusted according to the vehicle that is being insured, the safety features of that car, the overall amount of coverage, and the driver themselves. Certain drivers are considered high risk. These drivers are those under the age of 25, not married, do not have a college degree, have multiple driving infractions or accidents on their record, or are male.

These individuals are considered high risk because statistically they are involved in more accidents than other drivers. Teenage males are considered one of the highest risk drivers according to accident statistics across the board. Another issue that drives up the cost of insurance is the number of accidents that drivers are involved in. More accidents mean that they are a higher risk to the insurance agency regarding having to pay out on an accident. In some cases, insurance agencies will drop drivers if they have multiple accidents due to the fact that it costs a great deal of more money to insure these drivers.

For those that live in the Saint Charles, MO area, the agents with Nieroda Insurance Agency can help you determine the best policy for your particular needs. Reach out to us for more information on how you can get started on an auto insurance policy, and try our online rating tool for quotes on auto insurance.

Will My Auto Insurance Cover Theft?

Residents of Saint Charles, MO want to know that their vehicles are safe from theft. Hopefully, it’s not a worry that most resident would have to think about in the first place. Still, were it to occur, residents at least want to know that their auto insurance would cover them.

So how about you? Are you sure that your insurance plan has this coverage? Here’s what you need to know about auto insurance plans and theft:

  • First and foremost, it’s important to understand that all plans are different. You would need to speak directly with your insurance agent to be sure of what your plan covers.
  • If your entire car was stolen, again, whether or not you are covered will depend on what type of insurance plan you have. For the most part, however, comprehensive coverage plans will cover the value of your vehicle if it has been stolen.
  • In general, comprehensive coverage will help you out if your car was damaged because of the break-in. This coverage typically takes care of broken ignition systems, smashed windows, and broken door locks.
  • Keep in mind that this comprehensive coverage will not take care of any items that were stolen from your car. You would need another type of insurance such as renters insurance or homeowners insurance to cover these items.

Get in Touch With Nieroda Insurance Agency to Learn More

Nieroda Insurance Agency serves the residents of Saint Charles, MO and would be happy to speak with you about your auto insurance options — whether you currently have a plan that you would like to transfer or change or are looking for a brand new one. Visit our local office or give us a call at your earliest convenience to learn about your options. One of our agents is waiting to speak with you!