Navigating the confusing, ever changing health insurance field can be a frustrating and time consuming endeavor. Fortunately you don’t have to go it alone. With guidance from our experts at Allison White Insurance you can feel confident making decisions about your health coverage. As an independent broker and MNsure certified specialist, Allison White is able to compare policies, assist with paperwork, and layout your health insurance options, all at no cost to you.
Whether you are on the fringe of being Medicare eligible, in the midst of growing your family, or are single, we can breakdown your coverage options using clear and simple language. We also work with small businesses, helping them find group plans to meet their budgetary concerns while still providing appropriate coverage for their employees.
At Allison White Insurance our guidance allows you to make the best and most informed decision(s) possible. Fast-forward to after the paperwork is signed; we will still be in your corner. We will be there acting as an ally for all of your health insurance needs – questions, policy reviews, claims, and more.
Contact us today to arrange a consultation. Our flexibility includes house calls, after hours appointments, and of course meetings at our office in downtown Little Falls, Minnesota.
An independent professional within the insurance industry is just as the title states, "independent." This means they work independently of any single insurance company, allowing them to shop a multitude of insurance providers and plans. They can provide you with similar policies from multiple companies, offering you choices in premium costs and coverage options. All of this work is performed without you having to make numerous phone calls or do the comparing on your own.
They are able to implement the plan you select and are at your service when you have questions, billing concerns, claims issues, and more. The independent agent works for you, not an actual insurance provider.
When it comes to health insurance, if you do not know where to start, then working with an independent broker / insurance agent often proves to be more beneficial than going it alone.
Yes. As of January 1, 2014, the Affordable Care Act requires all U.S. citizens and legal residents to obtain health insurance coverage. If you are covered by an employer plan or qualify for health programs you will not need to purchase outside insurance. All others will have to purchase qualifying health coverage themselves. If you choose not to buy health insurance you may need to pay a fee (sometimes referred to as a fine or penalty) called the Individual Shared Responsibility Payment. The fee is calculated in two different ways and increases yearly with inflation.