Richard A Hales - Humana Agent

Your Partner in Health Insurance: Richard A Hales – Humana Agent

At Richard A Hales – Humana Agent, located in Barium Springs, we understand the importance of having the right health insurance to protect you and your loved ones. As a trusted health insurance agency, we are dedicated to providing you with the guidance and support you need to make informed decisions about your health coverage.

Types of Insurance Offered

At Richard A Hales – Humana Agent, we specialize in health insurance plans designed to meet the diverse needs of individuals, families, and businesses. Our health insurance options include:

• Individual and Family Plans: Customized coverage for individuals and families, offering a range of deductibles, copays, and coinsurance levels.
• Group Plans: Comprehensive coverage for businesses, providing employees with essential health benefits and flexible plan designs.
• Medicare Advantage and Supplement Plans: Plans designed for seniors and those with disabilities, offering additional benefits and cost savings.

Available Services

Our experienced team is committed to providing you with exceptional service and support throughout the entire insurance process. Our services include:

• Personalized Advice: Expert guidance to help you choose the right plan for your needs and budget.
• Free Quotes: Compare rates and benefits from various health insurance providers.
• Claims Procedures: Assistance with filing and managing claims to ensure a smooth process.
• Policy Management: Ongoing support to help you understand and manage your policy.

Requirements and Documentation

To contract health insurance with us, you will need to provide the following documentation:

• Identification: Government-issued ID (driver’s license, passport, etc.)
• Proof of Income: Recent pay stubs, W-2 forms, or tax returns
• Medical History: Information about your medical conditions, medications, and previous treatments

Payment Methods and Financing Plans

We offer flexible payment options to make your health insurance more affordable:

• Monthly Premiums: Convenient monthly payments to fit your budget
• Annual Premiums: Discounts available for annual payments
• Financing Plans: Customized payment plans to help you manage your premiums

Frequently Asked Questions

• What is the difference between a copay and coinsurance?
  • A copay is a fixed amount you pay for a specific service, while coinsurance is a percentage of the total cost you pay after meeting your deductible.
• Can I change my health insurance plan during the year?
  • Typically, you can only change your plan during the annual open enrollment period or if you experience a qualifying life event (e.g., job change, marriage, or having a baby).
• What is the process for filing a claim?
  • Contact our office, and we will guide you through the claims process, ensuring that you receive the benefits you are entitled to.

At Richard A Hales – Humana Agent, we are committed to helping you navigate the complex world of health insurance. Contact us today to learn more about our services and to find the perfect health insurance plan for you.