David Suggs Insurance

David Suggs Insurance: Your Trusted Health Insurance Partner in Morehead City

David Suggs Insurance is a leading health insurance agency located in Morehead City, North Carolina. We specialize in providing comprehensive health insurance solutions tailored to meet the unique needs of individuals, families, and businesses in our community.

Types of Insurance Offered

At David Suggs Insurance, we focus exclusively on health insurance. Our expert team is well-versed in various health insurance plans, including:

• Individual and family health plans
• Group health insurance for businesses
• Medicare Advantage and Medicare Supplement plans
• Short-term health insurance
• Dental and vision insurance

Available Services

We pride ourselves on offering a wide range of services to ensure our clients receive the best possible coverage:

• Personalized insurance advice and consultations
• Free quotes and plan comparisons
• Assistance with claims procedures
• Annual policy reviews
• Guidance on healthcare reform and compliance

Requirements and Documentation

To obtain health insurance through David Suggs Insurance, you’ll typically need to provide:

• Proof of identity (driver’s license or state ID)
• Social Security number
• Income information
• Current health status and medical history
• Information about any dependents you wish to cover

Payment Methods and Financing

We understand that affordability is crucial when it comes to health insurance. That’s why we offer:

• Multiple payment options, including credit/debit cards, checks, and electronic funds transfer
• Monthly premium payment plans
• Assistance in determining eligibility for government subsidies or tax credits
• Guidance on Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs)

Frequently Asked Questions

What types of health insurance plans do you offer?

We offer a variety of plans, including HMOs, PPOs, EPOs, and high-deductible health plans. Our team will help you understand the differences and choose the best option for your needs and budget.

How do I know if I’m eligible for a subsidy?

Eligibility for subsidies depends on factors such as income, household size, and the cost of available insurance in your area. We can help you determine your eligibility and guide you through the application process.

Can I keep my current doctor with a new health insurance plan?

This depends on the specific plan you choose. We’ll work with you to find a plan that includes your preferred healthcare providers in its network whenever possible.

How often can I change my health insurance plan?

Typically, you can change plans during the annual Open Enrollment Period. However, certain life events may qualify you for a Special Enrollment Period, allowing you to change plans outside of the standard enrollment window.

What should I do if I need to file a claim?

While most healthcare providers file claims directly with your insurance company, we’re here to assist you if you need to file a claim yourself. We can guide you through the process and help ensure all necessary documentation is submitted correctly.

In Conclusion

David Suggs Insurance is committed to providing exceptional health insurance services to the residents of Morehead City, North Carolina. Our team of experienced professionals is dedicated to helping you navigate the complex world of health insurance, ensuring you and your loved ones have the coverage you need for peace of mind. Whether you’re looking for individual coverage, family plans, or business solutions, we’re here to guide you every step of the way.