3 ways to get the most out of your health plan

There is more to your health insurance policy than co-payments, monthly premiums, and deductibles. You can save money with proper planning. The agents at Hanneken Insurance Agency Inc. can help you strategize to find the health insurance plan that works best for your lifestyle. Read on to learn how you can get the most out of your policy in Little Falls, MN.

Choose the right plan

Many consumers purchase the first health insurance plan offered to them. This method is not always the best route as the first option is sometimes the most expensive plan. 

You should shop around for health insurance like you shop around for a home or car. Pick three possibilities and weigh the pros and cons before ultimately deciding on the plan that you believe fits your family’s needs. 

Stay with in-network providers

HMO insurance plans require you to stay with your physician for all care needs. You have the option of going outside of your network with a PPO plan. The expenses that follow such a decision, however, can be enormous. It is best, then, to find a physician and hospital that receives payment directly from your provider. 

Take advantage of mail orders for prescriptions

You cannot utilize the mail ordering benefit if your prescription is for a temporary condition. Those with chronic health problems, however, may find it beneficial to order medication in bulk. A 90-day supply is cheaper in the long run in comparison to a 10-day supply of the same medication that you have to keep getting refilled. 

The agents at Hanneken Insurance Agency Inc. can help you find the right health insurance plan. Call them today to get a quote for coverage in Little Falls, MN.

What does farm insurance cover?

If you own a farm in Little Falls, MN, you might have already figured that you might greatly benefit from farm insurance. Generally, you want to buy enough coverage based on what you are dealing with. Farm insurance is designed to protect you commercially as well as personally.

At Hanneken Insurance Agency Inc., we recommend farm insurance as it provides coverage for your possessions, home, and personal liability. This policy also goes beyond that to cover your livestock and machinery.

What does farm insurance cover?

Farm insurance covers property that is directly related to farming. Here are the primary coverages associated with farm insurance.


Livestock coverage is the most comprehensive coverage for any farmer in Little Falls MN who prefers to keep livestock. A lot can happen to the animals you are keeping, whether for domestic or commercial purposes such as illnesses, death, and injuries. Livestock coverage helps protect your finances by paying the medical bills.

Farm equipment and machinery

This coverage is specifically for farmers with large equipment and machinery that are used on the farm. Whether it is a hay raker, planter, cotton picker, or tractor, this coverage protects all of them.

Farm products

Farm products such as seed, grain, and feed are all considered farm products. Farm insurance helps compensate the farmer in the event of an accident that left these products destroyed. It can also pay for stolen seeds or grain. It is critical to note that seed or grain that is already planted is not covered. Crops are covered under the commercial insurance policy.

Farm liability coverage

Like home and auto insurance, farm insurance comes with liability coverage to cover risks such as lawsuits if your livestock destroyed someone’s property. It covers medical expenses, bodily injury, and property damage liability.

Farm insurance is a critical coverage for any farmer. For more information, visit Hanneken Insurance Agency Inc. today.