What Is a “Pre-Existing Condition”?

In the past, pre-existing conditions were not covered when a new insurance policy was put in place. The agents at Hanneken Insurance Agency Inc. serve residents who live in Little Falls, MN and the surrounding communities. They are available to explain what certain terms mean and how they relate to your health insurance. A good example of this has to do with pre-existing conditions.

Pre-Existing Conditions

A pre-existing condition is a health issue that is chronic or recurring and was diagnosed prior to the implementation of your current health insurance policy. This can include heart conditions, diabetes, musculoskeletal injuries that have not been repaired. Pre-existing conditions are often the reason people were turned down for health insurance in the past, partly because they would be a built-in expense within the new policy.

Are They Covered?

Many of the newer policies will cover pre-existing conditions. With today’s medical advancements and an increase in the number of treatment options that are available, healthcare is much more cost-effective and efficient. This makes it more affordable for companies who offer health insurance to cover pre-existing conditions. It’s important that you have a health insurance policy that covers all of your needs.

The agents at Hanneken Insurance Agency Inc. can provide you with all of the information you need when it comes to finding the right health insurance policy. If you have questions about pre-existing conditions or how they may affect your ability to get a policy or change policies. If you live in Little Falls, MN, call and schedule an appointment at your earliest convenience to get all of the answers you need when buying a new health insurance policy.

Why do I need farm insurance?

The farming industry is extremely important as it helps to ensure that people all over the world have access to food. At the same time, those that own their own farm have a very valuable business that can make a lot of money. For those that own farms in the Little Falls, MN area, having a farm insurance policy in place is a necessity due to the types of coverage that it provides.

Protects the Crops Being Produced

When you own a farm, a natural disaster such as a fire or tornado could be devastating to the farm. Not only will it destroy some of your equipment, but it could also damage your crop yield for years to come. When you have farm insurance in place, you will receive coverage against these risks. 

Protects a Dwelling

A farmer will often live on a home on the farm and will also have a barn, grain silo, and other structures that are vital for the business. When you have a farm insurance policy in place, you will receive coverage for these dwellings as well. 

Liability Coverage

All farmers are taking on risk whenever someone consumes their product. Because of this, having liability protection in place is extremely important. When you have liability insurance in place, you will receive financial coverage up to the policy limits and support from the insurance provider if you are sued. 

If you are looking for farm insurance in the Little Falls, MN area, you should speak with the insurance professionals at Hanneken Insurance Agency Inc. When you meet with Hanneken Insurance Agency Inc. you will learn more about the benefits that farm insurance provides. The team can then help to get you into a policy that will provide you with the right type and level of coverage.