You have different options when you are shopping for health insurance in Little Falls, MN. An agent at Hanneken Insurance Agency Inc. can help explain your choices.
Health Maintenance Organization
An HMO will give you all your health services through a network of healthcare providers. You have the least amount of freedom to pick your providers but the least amount of paperwork to complete. You get a primary care doctor that manages care and then you get referred to a specialist when you need one.
Preferred Provider Organization
With a PPO, you have more options to choose your healthcare providers and you don’t need a referral in order to see a specialist. There will be higher out-of-pocket costs in Little Falls, MN if you see a doctor that is out of your network. There is more paperwork than other plans, especially if you see a doctor, not in your network.
Exclusive Provider Organization
With an EPO, you have a moderate amount of freedom for choosing your healthcare provider and you don’t need a referral to see a specialist. Unlike a PPO, you don’t get any coverage for an out-of-network provider and you have to pay for the full cost yourself.
Point of Service Plans
A POS blends features of a PPO and HMO. You have the freedom to choose your healthcare provider and a moderate amount of paperwork. Like an HMO, there is a primary care doctor to help coordinate your care and refer you to a specialist.
If you are under the age of 30, you can get a catastrophic health plan. With this plan, you get three primary care visits before a deductible and free preventive care, even if you haven’t met the deductible. There is also a lower premium.
Contact Hanneken Insurance Agency Inc. to get a quote on health insurance.
Living on a farm, regardless of its size, can bring a lot of joy; however, there are also a lot of risks for injuries that come with farming. To make matters worse, living on a farm in Little Falls, MN may mean it takes longer to get treatment for injuries. Hanneken Insurance Agency Inc. has put together a few tips to help minimize the chance of injuries occurring on your farm.
Use Protective Gear
The most important equipment you have on your farm is the appropriate safety gear. For instance, wearing seat belts while using equipment such as tractors and wearing gloves when working with equipment that put hands at risk of an injury and always wear a face shield to protect your eyes when working with equipment that may spray debris into your eyes. Regardless of how quick you think the job may be, it’s essential to use the appropriate safety gear.
Maintain Grain Bins
Although it’s essential that you maintain your grain bins all year round, it’s especially important that you thoroughly inspect the bins pre-season and post-season. Carefully inspect the roof, foundation, and walls for any damages and make repairs immediately. Inspect the conveyers and fans to ensure they are working properly and remind employees of the importance of cleaning up spilled grain as soon as possible.
One of the most important things you can do to prevent the risk of injuries on your farm is to be aware of potentially dangerous weather. Most farms have large portions of open land, which can become a target for high winds, so be sure your family and employees know the procedures for getting to safety, regardless of where they are when severe weather hits. Remember to have a list of contacts on hand for all family members as well as all employees working on your farm.
Residents of Little Falls, MN who want to learn more information about upgrading their farm insurance should contact Hanneken Insurance Agency Inc.