Blair Insurance Frequently Asked Questions
What services does Blair Insurance provide?
We provide you with experience and expertise on a broad range of insurance products. Our customers include businesses, organizations, families and individuals. We’ll ask you for information about your situation, provide you with free quotes, and explain our insurance and retirement planning products. We’ll work hard to find plans that fit your needs and to get you access to insurance carriers, particularly higher rated carriers.
What kind of products do you provide?
Blair Insurance is a leader in providing insurance and retirement planning products. We specialize in group and employee benefits such as group health insurance, including medical, dental and stop loss insurance. We offer group life and disability insurance a well as ancillary benefits. We also cater to individuals and families who need dental insurance or individual life insurance.
Will using your insurance service cost extra?
No. You’ll pay a monthly premium through the insurance company. We earn our money through the insurance company as well. They’ll pay us commissions which are included in the premium amount you pay.
Are your insurance prices better than others?
Actually, health insurance premiums are regulated by state insurance departments for companies under 100 employees. If you buy insurance directly from the health insurance company or if you go through an agent, you’ll be charged the same monthly premium, either way. In regards to companies that are over 100 employees, we feel that we can offer you competitive rates.
What is a PPO?
When shopping for health insurance you’ll often come across the acronym PPO. It stands for Preferred Provider Organization. This is a health insurance plan that usually gives the purchaser flexibility when choosing their doctor. PPOs usually have a network of doctors they contract with, but they allow you to go out of network if you’re willing to pay extra.
What is an HMO?
This is another common term you see when shopping for health insurance. HMO stands for Health Maintenance Organization. These are plans that require you to use doctors within their network. It’s rare that you will be allowed to see an out of network doctor, which usually requires a referral from a primary care physician.
What are Ancillary benefits?
Ancillary benefits are benefit packages offered by employers that go beyond traditional packages. Ancillary benefits can be used to recruit top employees or they can be used to add extra coverage, such as picking up more costs when employees go on disability.
Whatever questions you have about our products and services. Blair Insurance is ready to assist you. Contact us today!