If you are stressed out by the thought of having to choose health insurance, you are not alone. About 50% of people questioned about choosing health insurance described it as very stressful. So much depends on making the correct choice. Getting the right health coverage shapes your medical care for the next year. Having an insurance carrier who can help answer your questions is crucial. In Little Falls, MN, Hanneken Insurance Agency Inc. has been serving central Minnesota for more than 30 years. We represent more than 60 carriers providing our customers with lots of choices. 

How much does the policy cost?

Price should not be the primary factor in your health insurance decision but ideally, if it is not affordable, you should not even be considering it. Only considering policies you can live with makes more sense than dreaming about the perfect one you won’t be able to pay every month. After you have limited your choices to health insurance you can afford, there are still some very important questions to ask. 

Are my doctors in the network?

Every health insurance carrier has a network of providers who have contracted to provide services. This allows the insurance company to manage costs and offer customers the best prices possible. If you don’t have a primary care physician or any specialist you have a relationship with, you don’t need to worry. If however, you do have doctors you prefer, you need to know you will be able to use them.

Are my prescriptions covered?

Each carrier has a list of covered drugs called a formulary. Getting your prescriptions covered is important especially if you are on maintenance drugs. 

What is the yearly deductible?

This is the amount you need to pay out of your own pocket before the insurance policy begins to cover expenses. 

At Hanneken Insurance Agency Inc. in Little Falls, MN, our experienced team can help to answer these and any other questions you may have about health insurance. Contact us for a free quote. 

Hanneken Insurance Agency Inc. serves the Little Falls, MN community, as well as the surrounding areas. For over 25 years, we have helped our clients find policies that fit their individual needs. We have working relationships with over 50 companies throughout the Midwest. We proudly serve as an independent agency.

The Benefits Of Farm Insurance

Farm insurance provides protection to Little Falls, MN farmers. Central Minnesota is home to a great farming heritage. Farm insurance covers your home and personal possessions so that you can continue growing crops with a minimum level of stress. You are protected if any damage occurs to your plants, trees, lawn, or shrubs. You can amend your policy to protect yourself in the event of a natural disaster such as a fire or power outage. Here is a look at some of the benefits of farm insurance.

Protects Your Livestock

Farm insurance protects your valuable livestock. You are covered if some of your livestock is stolen or injured due to a shooting or attack by wild animals. You can also amend your policy to cover you if your livestock passes away due to illness.

Protects Your Crops

Farm insurance covers any damage to your grain, seed, and other crops. You are protected if you are unable to operate your business for a few weeks due to an accident involving your crops.

Protects You In A Liability Dispute

Farm insurance provides liability coverage to help minimize risks. You are covered if someone gets injured on your property. You are also protected if you cause damage to someone else’s property. This includes your animals escaping from the farm and causing damage or your farm machinery malfunctioning.

Hanneken Insurance Agency Inc. Will Help You Protect Your Investment

Visit our website today to learn more information about farm insurance.