Are Hearing Exams Covered By Health Insurance?

There are many things in life that we take for granted.  We don’t think about these things until they become issues.  It is only then that we stop and realize what an asset it is to have it.  Our ability to hear is one of those things we take for granted.   At some point in our lives, we may develop hearing loss and may need to see an audiologist see we can get our hearing tested.  Questions about whether insurance will cover the cost may follow.  The agents at Henderson Insurance Agency want you to have answers so you can enjoy life in Harrisburg, PA.

Answers Vary

Every policy is different so it is best to read the fine print.  In most cases, insurance will cover a hearing exam.  In some cases, there may be stipulations about the clinic or the professional performing the exam.  Visits to an audiologist may be subject to a copay and go towards the deductible, but it is best to call or look through the Summary of Benefits and Coverage (SBC) for that information.  The cost will vary depending on the practitioner, but some testing can only be done by certain specialists.

Appealing Denials

In the event your services are denied, you can appeal.  When you receive your Explanation of Benefits (EOB) it will have information about the process of appeals.  Typically, an internal review is done when subscriber appeals, but forms and information have to be gathered first.

Medical Necessity

It may be necessary to establish medical necessity by gathering documents like a physician referral, medical history, date of onset, plan of care, and progress notes if it becomes more than a basic hearing exam.

Henderson Insurance Agency wants people to enjoy life in Harrisburg, PA so they are available for questions via phone or email 

Why life insurance is still important if you’re single.

Many blogs focus on the importance of life insurance if you have a spouse or family, but it is equally important for a single person to pay burial and other costs. Saving for retirement also tops the all-important list of reasons to buy life insurance. In Harrisburg, PA, let Henderson Insurance Agency help you get started using life insurance as a financial investment tool.

If you’re single, you might think of life insurance as a need for married couples. They have a spouse and perhaps children who’ll need replacement income and help with burial expenses. But, single people can also have children. They may have aging parents whose health may be failing. Single people also need to save for retirement.

Life insurance provides for these needs. While a standard policy, covers your death costs while you pay the premiums, but accrues no value, you can obtain term life insurance to build cash value while insuring your life. Term life also remains in force only as long as you pay premiums. You can cash out the policy at the end of the ten to 30-year term though and obtain the accrued value. You can also borrow against the policy during its term so long as it remains in force.

Finally, the younger you are when you obtain a policy, the more reasonable your premiums will be. You can lock in rates with some policies. It’s cheaper to start when you’re 25 than 32.

Contact Henderson Insurance Agency of Harrisburg, PA to get started with a life insurance policy that can protect you throughout your life. Our term offerings can help you affordably invest in your future.

How Does an Umbrella Policy Work?

Umbrella policies in Harrisburg, PA kick in once you have maxed out coverage on your homeowners or auto insurance policy. You can’t just have an umbrella policy without first have primary coverage.

If you get into a car accident, the medical bills and costs to repair the property that was damaged could exceed your insurance on its own. For example, if multiple people are injured and your auto insurance only covers $500,000 between bodily injury and property damage, but actual costs are $1 million, the umbrella insurance will help pay for the rest. This way, you don’t have to go into your savings and other assets to pay the rest of it. The more assets you have, the more you are at risk for losing them, which demonstrates the need for umbrella insurance.

Many umbrella policies start at $1 million in Harrisburg, PA. You may be thinking that you can just increase the coverage on your auto and homeowners insurance and not worry about this type of policy. However, it can be cheaper to get an umbrella policy, instead of increasing coverage limits, and some auto and homeowner policies may max out at a certain level. In addition, an umbrella policy can provide some extended coverage such as for slander, libel, false arrest, or wrongful eviction. It also includes lawyer fees if you have to defend yourself.

Even though umbrella policies cover a multitude of things, it’s important to remember that they don’t cover everything. Check with an agent at Henderson Insurance Agency for any questions regarding coverage. Any damages that are expected or intended by the insured won’t be covered. Certain exotic vehicles, such as jet skis and aircraft, and associated damages caused, are not covered. Any damages to your own property are also not covered. Depending on how the damages were caused, they may be covered under the homeowner’s policy, but the umbrella policy will not kick in.

Contact Henderson Insurance Agency for a quote on umbrella insurance.

 

When Do I Need Toy Insurance in Harrisburg?

As a toy store operator, you will be responsible for more than just your inventory. Because you are selling to people of all ages, the state of Pennsylvania expects you to be responsible for the well-being of the people on your premises.

These people often include young children who can create accidents unexpectedly. The protection mechanism that you have is insurance specific to toy stores. Let’s take a look at what kind of coverage or business needs in order to remain in compliance with state law, local ordinance and good business practices.

  • General liability – This is a basic type of policy that will protect your business against personal injury and liability if someone is injured by your toys inside of your store. Additionally, you get coverage against completed operations, so you have protection against missing pieces inside of toy packages that may cause a malfunction and injury.
  • Commercial auto insurance – If you are using a vehicle for your toy store for any reason, then you definitely need business auto insurance. This is especially true if you’re using your vehicle to make deliveries or pick up supplies. You may even need commercial auto insurance if you drop off bank deposits with the same car every day.
  • Business property insurance – You must also get a separate policy for the physical store that is housing your toys. If something causes damage to the store itself, this is not covered by any sort of personal or business liability insurance. You also get coverage from inclement weather or other unforeseen events that could damage your infrastructure.

The Henderson Insurance Agency provides the community of Harrisburg, PA and surrounding areas with toy insurance. Give their dedicated experts a call when you are ready to protect your toy business.

Home Insurance Coverage Options

Purchasing a home is probably the biggest investment you can make in your life, and the last thing you want is for an unfortunate event such as fire, burglary, or vandalism to destroy your home. You need quality home insurance coverage with Henderson Insurance Agency to protect what you’ve worked so hard to acquire. The high cost of living can make it difficult to recover from certain losses, but home insurance can provide the financial support needed to restore your home back to its original, beautiful state. Understanding the following types of coverage options on your Harrisburg, PA home can help you determine exactly what’s protected by your policy.

Dwelling

Dwelling coverage protects your home’s structure, including built-in appliances, walls, roof, and wall-to-wall carpets. It typically pays to have your home repaired or rebuild if it’s damaged or destroyed by a covered loss.

Other structures

This coverage protects the physical structures on your property that are not attached to the house, like the shed, detached garage, fence, and barn.

Personal Property

Personal property coverage protects your belongings inside the home, which includes furniture, clothing, electronics, jewelry, and much more. This coverage replaces these contents in case they are lost, stolen, or damaged in a covered event.

Liability Protection

You or any of your family members can cause an accident in your home that injures someone or damages someone’s property. Liability coverage protects you against costly personal lawsuits.

Additional Living Expenses

Sometimes a covered event can make your home inhabitable, which would require you to get a temporary residence. This coverage caters for the additional living expenses while your home is being rebuilt or repaired.

At Henderson Insurance Agency, we understand that home insurance is not a one-size-fits-all solution. That’s why our knowledgeable agents will work with you to determine what coverage options suit your Harrisburg, PA home. For more information, contact us today!

3 Reasons You Need an Auto Insurance for Your Car

Getting the right type and amount of auto insurance gives you the confidence you need to drive in Harrisburg, PA. Getting car insurance is a legal requirement, and it protects you from financial losses in case your car gets into an accident. Get the help of a reliable insurance agency such as Henderson Insurance Agency to get the right auto insurance depending on your needs. The following are some reasons why auto insurance is important.

To Protect Your Car

Auto insurance protects your car. Collision coverage protects your vehicle if it collides with another car or objects such as fences, and trees. Comprehensive coverage protects your vehicle in case of non-collision risks such as theft, extreme weather conditions, and falling objects. Auto insurance helps you pay for repairs and replacements. Without the insurance, you may be unable to get your car back on the road after an accident.

To Protect Yourself

Auto insurance may help you protect yourself. If you have uninsured/underinsured motorists coverage, you are protecting yourself. Even though the law demands everyone to have the minimum liability coverage, some drivers do not. If you get into an accident with them, they may not be able to compensate you. The insurance cover compensates you. It may also cover you in case of hit and run accidents.

To Avoid Financial Losses

Liability insurance helps to pay for the medical bills of third parties and the costs of repairs and replacements of their vehicles if you are responsible for an accident. It also helps to pay for the legal fees involved. If you do not have liability insurance, you have to pay these charges from your pocket.

Contact Henderson Insurance Agency in Harrisburg, PA to discuss a new quote for your auto insurance.

How to Select the Right RV Insurance for You

An RV isn’t like a normal vehicle in that it can serve a variety of different purposes on the road. When you take a road trip with an RV, you may be taking along everything from your favorite jewelry to your flat-screen television. In a road trip with a normal vehicle, you’re likely taking far fewer valuables, To pick the right insurance for you, you need to consider more about the most common threats out there as well as what’s at stake. Take these tips from Henderson Insurance Agency to get a better idea of how to choose a policy. 

Home + RV Insurance 

Because people sometimes use RVs as their temporary homes for weeks or even months, you may be required to purchase home insurance to help keep your valuables protected. The promise of fancy electronics, expensive accessories, and even nice clothing can attract criminals and make RVs especially vulnerable to a break-in. They may also be destroyed in a vehicular accident or a natural disaster, such as a thunderstorm or earthquake. 

Making the Choice 

RVs in Harrisburg, PA aren’t just a magnet for thieves, but a force on the road that needs to be treated with respect. It has the potential to do more damage on the road sheerly due to its size. No matter what state you happen to be traveling to, you need to have a policy that can keep you and your family safe while still protecting other families and property on the road. 

Calling Henderson Insurance Agency today can go a long way to find the right kind of insurance for you. If you live in Harrisburg, PA, let us give you the advice and direction you need to select a policy that can keep you safe. 

What Does ATV Insurance Cover?

ATV insurance works similarly to auto insurance. Since there are risks, just like with driving a car, ATV insurance helps cover the costs of these risks. In Harrisburg, PA ATV insurance is required.

Liability Coverage

This coverage will protect you if you get into an accident on your ATV and you are at fault. This will help pay for the other person’s medical bills, along with damage to your property.

Collision and Comprehensive Coverage

Collision coverage will help pay for repairs or to replace the ATV if you get into an accident, even if it’s just with yourself. For example, if you hit a tree and flip your own ride, you are covered under collision insurance. Comprehensive coverage will help pay for damages or replacement for non-accident related damages, such as fire, theft, or a falling tree branch. You can choose to receive actual cash value, so you if you have to completely replace your ATV you can get the actual value minus your deductible.

There is optional coverage if you want more protection. Just like with auto insurance, you can choose to have uninsured or underinsured motorist coverage, in case you get into a crash with another driver who doesn’t ATV insurance or insufficient coverage. Medical payments coverage will help pay for your medical bills, should you get into an accident. If you transport your ATV in a trailer, you may want a transport trailer for physical damage coverage.

How you use your ATV can help determine how much coverage you should get. If you use it in the backwoods where there are trees that can obstruct the view, you may want more coverage because it’s easier to get into an accident. You also want enough liability coverage to protect your assets and figure out how much risk you take while driving. An agent at Henderson Insurance Agency can help determine your risk.

Contact Henderson Insurance Agency serving Harrisburg, PA to get a quote on ATV insurance.

Marine Life Damaged My Boat: Does Boat Insurance Cover It?

Marine life can damage your boat in a number of ways. If you hit a large animal unexpectedly, like a manatee, dolphin or shark, there can be dents to your boat or damage to the propellor. Other types of marine life, such as mussels, can attach themselves to different parts of the boat, clogging pipes and engine parts. Here at Henderson Insurance Agency, serving the greater Harrisburg, PA area, we are often asked if these types of incidents are covered by boat insurance. Here is the answer. 

In most cases, boat insurance will not cover your boat if it has been damaged by sea or marine life. The reason for this is that it is your responsibility to look out for marine life while you are boating. It is also your responsibility to thoroughly clean and maintain your boat. By doing both of these things, you should be able to naturally decrease the chances of either of these incidents occurring. 

The exception to the rule is if your boat is being docked in an area where items such as mussels have been shown to be highly invasive. Some insurance companies will sell supplemental insurance policies specifically to cover your boat when it is being docked or used in these invasive waters. If this is the scenario you are facing, contact your preferred insurance company today to discuss supplement insurance availability and getting the cover you need. 

If you are in need of boat insurance in the greater Harrisburg, PA area, Henderson Insurance Agency can help you. Contact us today to discuss your needs and to get a quote. 

Does my car insurance cover my motorcycle?

If you own both a vehicle and motorcycle, you may be tempted to believe that your auto insurance will offer coverage when you are involved in an accident while using your motorbike. After all, your auto insurance offers protection if you drive someone else’s car or a rental vehicle, so why wouldn’t it cover you when you use your motorcycle?  This assumption is extremely misplaced and will make you incur more expenses than expected.

Your car insurance doesn’t cover you when you get into an accident on your motorbike

It’s essential to get a separate insurance plan for your motorcycle from an insurance company like Henderson Insurance Agency in Harrisburg, PA. The policy should offer protection for the motorcycle and any rider who may use it. This coverage is essential because it will cover damages to the bike and injuries you may incur after an accident.

Motorcycle insurance offers different coverages compared to car insurance

Even though motorcycle insurance may not be required in some states, this doesn’t mean that it’s not essential. According to statistics, an accident between a motorcycle and a car will likely cause damages and injuries to the motorcycle rider. So, you need a plan that will cover the bike from damages and pay your medical expenses, including the days you will spend away from work while recovering.

Some insurers provide motorcycle endorsements on the regular car insurance policy, but this has to be bought separately. Nevertheless, you need to be careful about these endorsements because they are limited and don’t offer adequate coverage like stand-alone motorcycle insurance policies.

Consider getting a motorcycle policy that provides liability, comprehensive, collision, or medical payment coverages. You can also add other services like gap coverage, towing service, and replacement of personal property.

For more information on motorcycle insurance in Harrisburg, PA, be sure to contact Henderson Insurance Agency.