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Health Insurance

Health Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate, and affordable rates.

Health Insurance Information

Please Read over some of our information below before starting your quote. Our quote application does not ask all the questions we need to know, so keep in mind we will be contacting you directly to fill in the blanks, go over coverage options, and answer any questions you may have. We don't provide an immediate price quote online because as your agent its our job to shop to find you the best policy! Make sure to list the best way to contact you for your quote & we will do so in a timely manner.


Individual Health Insurance & Group Health News

In the years past many Americans were covered by their employer for health insurance. Now more than ever more people are having to insure themselves and their family out of pocket. The US government doesn't require you to have health insurance – yet. But that day is coming. That day is Jan. 1, 2014, to be precise, when the Affordable Care Act's individual mandate takes effect. Employers who previously have not carried employee health care coverage starting Jan. 1, 2014 may then be required to so its important to talk to your employer to learn more.

 If you are an employer looking for Group Health Coverage for your business please print off our Group Health Application. Have each employee fill out the generic application , so that we may obtain and shop the rates with all of our competitive carriers. Please email or fax to us at 540-479-3700. As a group administer we will contact you to gather additional employer information & to discuss all of the available options to minimize your cost.

Common questions & answers about health insurance . . .

What is Health Insurance for?
Health insurance helps protect you from high medical care costs. The one constant when buying health insurance is uncertainty. A sudden illness can carry in its wake a flood tide of unwelcome medical bills. The point of health insurance is to minimize the havoc from such bills.

But you can't plan your illnesses, so how can you know how much insurance you might need?
The ever-rising cost of healthcare, moreover, has driven insurers and employers to shift much more of the burden to policyholders through higher deductibles and coinsurance and slapping copays onto more services. It can be a challenge just to figure out in advance how much you'd wind up paying out of pocket if you do get sick.

Which health insurance plan is right for you?
This depends on many factors, most notably your age, whether you are employed, and whether your employer offers you insurance or you have to buy on your own.

What different kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

What is 'long-term care'?
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”
Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less. Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home. (If you are interested in this product let our licensed life & health agent know when they contact you)

What are the types of disability insurance?
There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD). Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life. (If you are interested in this product let our licensed life & health agent know when they contact you)

       Disability policies have two different protection features that are important to understand.
  1. Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
  2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

1 - Source : MANAGED CARE AND THE STATES & National Association of Insurance Commissioners


D & L Insurance Agency
4600 Jefferson Davis Hwy. | Fredericksburg, VA 22408
Phone: 540-373-3100 | Fax: 540-479-3700