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Hailey, ID 83333

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Category: Insurance

Will my health insurance cover alternative therapies?

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Alternative therapies, also known as complementary medicine, do not follow the Western, science-based medicine model. Most health insurance plans extensively cover traditional Western medicine while providing limited or no coverage for complementary or alternative medicine (CAM). This article aims to help you understand which therapies insurance companies classify as alternative and how to increase the chances of receiving insurance coverage for these therapies. If you reside in or near Hailey, ID, consider reaching out to Harrison Insurance and Financials LTD for your health insurance queries and needs.

Understanding Complementary and Alternative Medicine (CAM)

The Cleveland Clinic, a nationally recognized provider of traditional medicine, categorizes CAM approaches as follows:

  • Mind-body techniques: yoga, hypnotherapy, meditation, biofeedback
  • Manipulation and body-based practices: massage, chiropractic, osteopathic manipulation
  • Energy force therapies: acupuncture, Qi gong, Tai Chi
  • Other approaches: aromatherapy, herbal remedies, art therapy

Determining Your Coverage for Complementary and Alternative Medicine

Insurance companies’ coverage for CAM varies widely. However, the best way to ensure CAM coverage is to consult your traditional medical provider first and request a referral or approval for CAM. Some physicians and other conventional providers collaborate with specific CAM providers.

Additionally, you should contact your insurance carrier to confirm whether and to what extent they cover CAM. They may cover chiropractic, acupuncture, and massage therapies, though policyholders often pay a higher share of the cost than for traditional treatments.

If you prefer a specific CAM therapy, consider CAM coverage when selecting your next health insurance plan.

Securing Health Insurance through Harrison Insurance and Financials LTD

If you reside in or near Hailey, ID, and need health insurance for yourself or your family, call the team at Harrison Insurance and Financials LTD at (208) 788-3255. We’ll assist you in structuring a plan that meets your needs.

Life Insurance for High-Risk Jobs: What to Know

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High-risk jobs, such as construction work, firefighting, law enforcement, and aviation, involve greater physical danger and exposure to hazardous conditions. That’s why individuals in these professions often face more challenges when applying for life insurance. Serving Hailey, ID, and the surrounding areas, Harrison Insurance and Financials LTD offers comprehensive life insurance offerings for all individuals, no matter your line of work.

What Makes a Job High-Risk?

High-risk jobs include careers such as paramedics, miners, and pilots. Insurers evaluate factors such as physical danger, exposure to hazardous materials, frequent travel, and the overall risk of injury or death. These factors can significantly affect both the cost of premiums and your eligibility for certain policies. The higher the risk, the more likely you are to face increased premiums or limited coverage options.

How High-Risk Jobs Affect Coverage

For individuals with high-risk jobs, life insurance premiums are typically higher due to the increased likelihood of injury or death. Some policies may also include exclusions for certain high-risk activities or may require additional medical exams to assess overall health. While employer-provided group life insurance may offer basic coverage, it is often insufficient for those in high-risk occupations.

Tips for Getting Sufficient Coverage

When seeking life insurance for a high-risk job, it’s crucial to work with an experienced agent who understands the unique risks associated with these professions. Compare policies from multiple providers to find the best coverage and the most competitive rates. Be honest with your occupation during the application process to avoid potential issues with claims.

Secure the Right Coverage for Peace of Mind

Finding the right life insurance for high-risk jobs is essential to protect your loved ones and secure your financial future. Contact Harrison Insurance and Financials, LTD, in Hailey, ID, today to discuss your coverage needs.

Does Every Small Business Need Commercial Insurance?

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The U.S. Small Business Administration defines small businesses as those employing 500 or fewer employees, representing 56 percent of Idaho’s workforce. Small businesses play a key role in Idaho’s economy, and commercial insurance helps them meet their legal and contractual obligations. If you own a small business in the Hailey, ID, area, consider selecting the Harrison Insurance and Financials LTD team as your commercial insurance partner.

Who Needs Commercial Insurance?

Every small business should consider carrying commercial insurance, as operating a business brings risk. Some small business owners rely on their home insurance to protect business assets, despite home insurance typically covering only $2,500 in business assets. Likewise, small business owners sometimes take risks by relying on their personal auto policy rather than a commercial vehicle policy, particularly when employees drive the vehicle.

Beyond those examples for very small businesses, as your business grows and adds employees, Worker’s Compensation insurance becomes necessary to protect against employees who might be injured on the job. Commercial and property liability insurance also becomes important if your business owns or rents space, especially if customers or suppliers visit the premises. Of course, other forms of specialized commercial insurance are needed based on the nature of your work.

Also, businesses that work with government agencies may be required to carry Worker’s Compensation or other forms of insurance, and private companies often have requirements included in their contracts.

Regardless of your business’s size, you should meet with an agent to discuss the benefits of protecting your business and personal assets against loss.

Working with Harrison Insurance and Financials LTD

The Harrison Insurance and Financials LTD team serves the Hailey, ID, private and business communities. Call (208) 788-3255 to schedule an appointment for an insurance plan that protects your business.

Classic Car Insurance: Protection for Your Time Capsule on Wheels

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Classic cars can mean many things to many people, but everyone seems to stop and look at those vehicles of bygone days when they pass by. For classic car enthusiasts, collectors, and owners, however, these beautiful results of manufacturing design are much more than merely older vehicles. That is also why many classic car owners in and around the Hailey, ID area rely on the experienced, friendly, and professional team at Harrison Insurance and Financials LTD for all their classic car insurance questions, concerns, and needs.

Classic Car Insurance: Protection for Your Time Capsule on Wheels

Beyond the sheer beauty, design, and unique styles that classic cars offer, there are ties to something much more profound for many people. For some, these historical vehicles are much like time capsules on wheels, which can transport us to another era and place. Others might find remembrances of an earlier time in their own lives. While some simply appreciate the embodiment of these long-ago days that these cherished and beloved classics carry. Whatever your affinity is for classic cars, if you are a classic car owner, then classic car insurance is a good way to protect your classic car and everything it means to you.

Classic Car Insurance Solutions in Hailey, ID

Are you the owner of a classic car in Hailey, ID, or the surrounding area? Do you have questions about classic car insurance, or would you like to learn more about protecting your classic car with classic car insurance? Then, our knowledgeable and trusted team of agents at Harrison Insurance and Financials LTD can help. Contact us to find out more and schedule an appointment for the protection your classic ride needs and deserves at Harrison Insurance and Financials LTD today.

Why do I need to have recreational insurance in Idaho?

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Recreational Insurance: Protecting Your Recreational Assets

Owning a recreational vehicle or asset can be a good idea when you live in the Hailey, ID area. This part of the state offers many recreational parks and trails that allow you to have a lot of fun. When you are going to invest in one of these assets, you do need to have the right insurance. You need a recreational insurance plan for your assets for several reasons.

Asset Coverage

A great reason to ensure you have a recreational plan is to ensure you have coverage for your assets. If you are going to own a recreational asset, you will know it requires an investment to purchase and maintain it. A recreational policy can include coverage for the asset. This will ensure you have support if it is stolen or damaged in an accident.

Liability Mitigation

It is also a good idea to have this coverage to mitigate your risk of a liability claim. There is always a possibility of causing damage if an accident occurs while using a recreational asset. When you are insured, you will have support in these situations, as it will include a liability insurance provision. This will give you peace of mind, knowing that you will be supported if you need to cover costs caused by an accident.

Choosing the Right Recreational Insurance in Idaho

In the Hailey, ID area, it will be very important that you get the right insurance for your recreational assets. There are a lot of choices to make when you are evaluating your insurance options, and our team at Harrison Insurance and Financials LTD can help you build a new plan. Our professionals with Harrison Insurance and Financials LTD will provide any support needed to build a policy that meets your needs.

Renters Insurance Coverage for Personal Belongings

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Why Renter’s Insurance is a Necessity in Hailey, ID

If you’re renting a home in or around Hailey, ID, it’s crucial to consider the advantages of purchasing renters’ insurance coverage. This policy can serve as an effective "safety net," offering much-needed compensation in case of any accident or incident involving the house or your personal belongings.

Coverage Offered by Renters’ Insurance

Renters’ insurance provides coverage for your personal belongings. It compensates you if your belongings are stolen or damaged by a natural disaster like a fire or windstorm. Insured belongings can include clothing, furniture, jewelry, artwork, sports gear, and even appliances you own within the home.

Exceptions to Renters’ Insurance Coverage

Typically, renters’ insurance does not cover damage due to flooding or earthquakes. Additionally, there are limits on the compensation you can claim. If you have valuable collectibles at home, purchasing additional coverage or an umbrella policy for their protection may be advisable.

Renters’ insurance won’t cover personal belongings that aren’t within the house at the time of the incident. For instance, if you have sports gear or other valuables in your car during a windstorm, these won’t be covered under your renters’ insurance policy. Also, renters’ insurance does not cover cars, boats, or other vehicles, even if they are parked on the rental property.

Acquiring Renters’ Insurance through Harrison Insurance and Financials LTD

Harrison Insurance and Financials LTD has over thirty years of experience offering varied insurance policy options to residents of Hailey, ID. Our team prides itself on helping each client find the coverage that best suits their needs within their budget. Don’t hesitate to call us to discover more about renters’ insurance or get a quote for your preferred policy.

Do You Need the Added Protection of Umbrella Insurance?

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Having robust insurance protection is not just crucial for security, but it also provides peace of mind. If you’re in the Hailey, ID area, Harrison Insurance and Financials LTD can help you obtain the coverage you need. Umbrella insurance is one type of coverage we offer, which bolsters your existing coverage and can kick in if you ever face a claim that exceeds your other policy’s limits.

There’s a misconception that only individuals with substantial assets need this extra layer of coverage, but this isn’t entirely true. Umbrella coverage can benefit many people across different walks of life. Particularly if you’re a homeowner, a business owner, or if you have other assets, it’s crucial that you’re adequately covered against a broad spectrum of possible incidents. While preventing mishaps isn’t always possible, you can control the level of liability in such scenarios.

By working with our agents, you can learn more about umbrella insurance—its provisions and how it can help you make an informed decision about whether it’s suitable for your needs. There are many benefits to having additional coverage, including feeling more secure about your future and knowing you’re prepared for scenarios that demand a high level of insurance protection.

Contact us today at Harrison Insurance and Financials LTD if you’re in the Hailey, ID, area and seeking information and options for umbrella insurance. We’re here to help and guide you so that you can feel confident about the coverage you have and the policies you can select. This will allow you to continue living life confidently, knowing you’re comprehensively protected.

Will I Be Required to Get Condo Insurance?

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When buying a condo, you may be required to get condo insurance. Many people get condo insurance because they’re required to, and many more get condo insurance because they think it’s an excellent way to protect themselves financially.  

If you need condo insurance, the Harrison Insurance and Financials LTD professionals servicing Hailey ID can help. We provide condo insurance to customers who want to protect their investments and enjoy coverage when certain events occur. 

Who Is Required to Get Condo Insurance?

Most people are required to get condo insurance when they purchase a condo. Here are the two entities that may require you to get condo insurance:

  • Mortgage lender. If you used a bank loan to buy your condo, then your mortgage lender will require you to get condo insurance to protect that investment. Mortgage lenders will not loan the money until the condo insurance policy is in place.
  • HOA. Many homeowner associations require condo owners to have condo insurance. HOAs make condo insurance ownership a condition of the purchase.

Why Get Condo Insurance?

Even if you’re not required to get condo insurance, having it can still be beneficial. Condo insurance protects your investment by paying to replace belongings and repair your condo interior if a covered event occurs. It can provide peace of mind and make recovering from a covered event much easier and less expensive overall. 

Need Condo Insurance? Call Us

If you need condo insurance, the professionals at Harrison Insurance and Financials LTD servicing Hailey, ID, can help. We provide condo insurance coverage and work with a range of carriers to help our customers find the best coverage for their needs. Call today. 

Health Insurance for Pregnant Moms

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The average cost of healthcare for a pregnant woman comes to nearly $18,900. Thankfully, the right health insurance policy can cover the vast majority of this expense, allowing Hailey, ID moms-to-be to focus on preparing for the arrival of a new life rather than paying bills.

What’s Covered by Insurance for Pregnant Moms?

Health insurance for pregnant moms typically covers most prenatal doctor visits. It also covers prenatal tests and ultrasounds. Furthermore, it covers the cost of delivery, newborn care for the new baby, and postpartum care for the mother. If you have a pre-existing health condition that can affect your pregnancy and delivery, you can choose a policy that will cover your treatment for the condition while you’re pregnant.

Bear in mind that the amount of coverage you get depends on which policy you pick. Please read it carefully before signing up for coverage to ensure that you’re getting the help you need. You’ll also want to choose a deductible with care. Raising the deductible lowers the cost of your insurance policy, but you’ll have to pay more out-of-pocket before coverage kicks in than you would have had you chosen a low policy deductible.

Health Insurance from Harrison Insurance and Financials LTD

If you’re planning on having a baby and aren’t sure which health insurance policy is right for you, our Harrison Insurance and Financials LTD team can offer expert advice and assistance. We specialize in helping Hailey, ID moms-to-be, understand their policy options and choose the ones that are the best fit for their situation. Contact us to learn more about policy options and terms and conditions or to get a policy quote. 

Can You Have More Than One Type of Life Insurance Policy?

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Secure Your Future with Harrison Insurance and Financials LTD

In Hailey, ID, Harrison Insurance and Financials LTD prioritizes stellar services for residents seeking life insurance policies tailored to their needs. Our goal is to assist clients in policy acquisition and keep them informed even after purchase. We recognize that everyone has unique needs and financial situations, so we provide individualized advice and tips.

Understanding Life Insurance

Many people choose to have more than one type of life insurance to suit their specific needs. For example, a whole life insurance policy offers lifetime coverage and potential cash value accumulation. Evaluating your financial objectives and family situation is critical to understanding which types and levels of coverage are in your best interest. Our qualified insurance professionals guide you through the complexities of multiple policies to ensure comprehensive coverage tailored to your financial plan.

Guidance and Support in Hailey, ID

At Harrison Insurance and Financials LTD, we are firmly committed to helping you choose the appropriate life insurance policy that serves your needs and offers financial security for your loved ones. Reach out to us today and take the first step towards securing your future. In gaining peace of mind for yourself and your family, you choose more than an insurance policy – you choose security, certainty, and tranquility.

Our Partners

  • American Modern
  • Banner Life
  • Blue Cross of Idaho
  • Chubb
  • Dairyland
  • Encompass
  • Foremost
  • John Hancock
  • Kemper
  • Liberty Mutual
  • lloyds of London
  • MetLife
  • Mountain Health
  • Nationwide
  • Progressive
  • Protective
  • Safeco
  • Select Health
  • The Hartford
  • Travelers