What is Dental Insurance?

The world around us is constantly changing and healthcare is one of those things.  Laws and rules change almost constantly so it can be hard to know how things work.  We may assume that dental is covered under medical, but most of the time it is not.  Bob Korvas Agency Inc. wants you to understand so you can make an informed decision when purchasing insurance.

Dental Insurance

The Basics

Niles IL is a nice place to live, but life can be stressful if you don’t know your way around insurance.   There are options to choose from when selecting a dental policy and some give you more coverage than others. 

PPO

Preferred Provider Organizations tend to give more flexibility.  Dental PPOs typically offer a larger network of dentists, but it comes at a cost.  Monthly premiums run higher than other options available.

HMO

Health Maintenance Organizations provide limited coverage for a reduced cost.  Dental HMOs provide their members with a list of contracted providers and a primary dentist must then be selected.  If members see someone who is out of network insurance won’t pay.  Referrals to a specialist must be made by the primary dentist. 

Dental Indemnity

Dental Indemnity policies require the member to pay the dentist directly and then submit a form for reimbursement.  Disadvantages of this type of policy include long waits for reimbursement, but they have greater flexibility in selecting a dentist.

Dental Savings Plans

Dental Savings Plans are exactly that.  They are not dental insurance.  All they do is provide a discount for services to people who pay an annual membership fee.

Bob Korvas Agency Inc. knows that Niles, IL residents may still have questions so they can be reached by phone at 847-470-8830 or by email by going to their website and filling out the online form.   

Can You Change Health Insurance Carriers During Your Pregnancy?

At Bob Korvas Agency Inc. serving the greater Niles, IL area, we are often asked questions pertaining to health insurance policies and pre-existing conditions. Many people do not understand the way the laws work for pre-existing conditions and their health insurance policies. One of the more specific questions that we are often asked is whether you can change your health insurance provider when you are pregnant. Here is what you need to know about this topic. 

Can You Change Health Insurance Carriers During Your Pregnancy?

You can change health insurance carriers during your pregnancy. However, if you are purchasing a private policy, pregnancy is considered a pre-existing condition. As such, you may have to declare that you are pregnant and your premiums may be significantly higher. Pre-existing conditions do not come into play with employer-sponsored health insurance plans or plans you are buying from the health insurance marketplace. 

Does Pregnancy Count as a Life Changing Event for the Health Insurance Marketplace?

You can only change or purchase a new health insurance plan through the health insurance marketplace for a life-changing event. Becoming pregnant does not qualify as a life-changing event. As such, unless it is open enrollment period, you will not be able to change your plan or purchase a new one simply due to the pregnancy. Once you have your child, it is considered a life-changing event, and you will be able to change or buy a new policy at that time. 

If you are pregnant and looking to change health insurance in the greater Niles, IL area, Bob Korvas Agency Inc. can help you. Give us a call today and let us help you find the best health insurance plan for your needs and budget. 

How to Get Commercial Insurance for Your Rental Properties

Obtaining commercial insurance for your rental property is easy to obtain through Bob Korvas Agency Inc. The demand for Niles, IL real estate continues to increase, and Property Management must fulfill that demand. It is vitally essential for property managers to assess risk appropriately. For example, the most significant threat that property managers have to deal with relates to occupants not paying their rent. Since this is the case, it’s important to take steps to ensure your protection in all cases. Property managers should consider different types of insurance. Obtaining an insurance policy for your commercial property will help you deal with unexpected issues as they will inevitably arise.

Getting the best type of insurance for your company should be simple. You may ask what individual needs commercial property insurance. The answer is anyone that rents or leases property or anyone who hire someone for management purposes or does the management themselves. Any form of management relating to a residential or commercial property should obtain Commercial Insurance.

The type of insurance a business needs will vary upon how many employees are with the company and the types of property owned by the company. General liability insurance will give your business General coverage. This type of insurance is intended for businesses with a physical location. It covers damage to property as well as injuries that occurred to people on your property. This type of insurance does not cover lessees or renters. However, you won’t be held liable for damage to property and personal injuries.

The moment that you open your business you will need general liability insurance at the very least. A general liability policy will protect you if a potential renter is injured while touring one of your properties.

A Business Owners Policy is another type of coverage; also referred to as a BOP. The Business Owners Policy is an insurance package that includes multiple insurance products. It typically involves combining commercial property insurance with general liability insurance. This combination covers property damage, false advertising, and personal injury claims. 
 

3 Beginner Mistakes to Avoid When Riding an RTV

If you are like many others, you assume that hopping on an RTV (rough terrain vehicle) in Niles, IL is as simple as taking a regular car out for a spin-after all they both have four wheels and an engine, so how hard can it be? The fact is, in some respects you’re right, both do have a less risk of crashing than something with only two wheels, however, even experienced riders find themselves in dangerous situations when it comes to riding an RTV. So, if you are considering taking an RTV ride for the first time, here are a few tips to avoid common mistakes made by beginners.

Roll Overs

It is extremely easy to roll an RTV over and the last thing you want is to be under a heavy piece of machinery. One of the most common ways a rollover happens in an RTV is looping out, which is done by hitting the gas too hard and too quick. The front end of the RTV jolts up and goes out of control, throwing you back and ultimately under the RTV. Rollovers can also happen when you are spinning in the mud or other slick conditions. In most situations, the tires will eventually grip the ground, but if you’re not paying attention you can be thrown.

Over Throttling

There is nothing more exciting than the feeling of speeding through a field or the woods, but until you learn to control the throttle, it is important to work your way up to high-speed rides in stages. When you just jab the throttle/gas and go, you can end up underneath the RTV or be thrown several hundred feet. It is extremely important that you get to know the throttle and how little or how much it takes to reach a certain speed.

The most common, yet most serious mistake many beginners make is having a false sense of security. it is important to keep in mind that just because someone else doesn’t wear safety equipment or the appropriate clothing when riding an RTV and they haven’t been hurt that it’s okay for you as well. You need to wear a helmet, goggles, gloves, eye protection and boots at the minimum. It is also essential that you never attempt to go out alone, especially on your first few attempts.

Residents in and around the Niles, IL area interested in learning more about RTV insurance coverage should contact Bob Korvas Agency Inc.

 

What You Should Know About Motorcycle Insurance Before Buying a Bike

Whether you enjoy the free feeling from cruising past prairies and cornfields across I-55 or cruising down Lakeshore Drive laid back on a cruiser, a motorcycle is an exhilarating method of transportation. However, before you step into the dealership, there are some important things to know about motorcycle insurance in Illinois. There are certain requirements you need to meet to legally drive on public roads, as well as a wide range of discounts you can take advantage of to lower your premium. For specific information dealing with your situation, contact Bob Korvas Agency Inc. that serves the Niles, IL area.

Motorcycle Insurance Requirements in Illinois

All Illinoisans need to have liability insurance to ride their motorcycles on public roads. This type of coverage pays for other people’s property damage and medical costs if you’re at fault for an accident. The bare minimum liability limits in Illinois are:

  • Each person’s bodily injury liability coverage must be at least $20,000
  • Bodily injury liability per incident requires at least $40,000 of coverage
  • Per incident, you must have at least $15,000 worth of property damage liability coverage

Of course, these are just the minimum requirements. You should choose limits that offer you peace of mind and meet your financial situation.

How to Save Money on Your Policy

There are many ways to lower your motorcycle insurance cost. If you already have homeowner’s or auto insurance with the same provider, you may get a lower quote to add on motorcycle overage. If you’re a long-time bike rider or over the age of 55, you may qualify for a mature rider discount. A clean driving record is another way to get a discount from most providers. Learn how you can save money on your motorcycle insurance policy by reaching out to an agent from Bob Korvas Agency Inc. that serves the Niles, IL area.

Cool Off This Summer With Jetski Insurance

When it comes to enjoying the summer, you can’t go wrong with going to the lake and doing a little swimming. And if you happen to have a boat and jet skis, you’ll definitely want to hit the open water and enjoy all of the fun that these water vehicles offer. For now, Bob Korvas Agency Inc. wants to take a quick look at how to be safe when you cool off this summer with jet skis in Niles, IL.

Know How to Drive a Jet Ski

If you don’t know how to drive a jet ski, it’s probably best if you just enjoy the water as a rider. Driving a jet ski isn’t all that hard, but making a small mistake can end up you with tipping over the jet ski and this is something you want to avoid. If you’re wanting to learn how to drive a jet ski, you’ll need to have an experienced driver teach you how and it’s very important that you go to a spot on the lake where there aren’t any other people. 

Make Sure You Have Insurance

Another way to make sure you cool off safely this summer when going out on the water on your jet skis is to make sure you are covered with proper insurance. Did you know they make insurance that is specifically geared toward jet skis? That’s right, and in order to make sure you are protected, it’s imperative that you invest in a jet ski policy. 

What are you waiting for? There’s no need to wait any longer to enjoy all that the lake has to offer. Contact Bob Korvas Agency Inc. today serving the Niles, IL area to learn more about jet ski insurance. 

Why You Need Umbrella Insurance For Your Small Business

If you have a small business in Niles, IL, you need to have sufficient liability insurance to protect it. Small businesses face more risks than more established ones and they may not have the funds to deal with them. Liability insurance policies protect you if third parties get injured at your place of work or if your business is responsible for the loss or damage of other people’s property. Your standard commercial insurance policy may not offer you enough protection. Contact Bob Korvas Agency Inc. to get quotes for umbrella insurance. They will help you to determine the limit option that is suitable for your small business depending on its exposure to risks and size.

Importance of Umbrella Insurance For Small Businesses

  • Umbrella insurance gives your business additional protection against the risks that your general liability insurance covers. If, for example, your business is legally liable for a costly repair, the cost may exceed your general liability policy limits. In such instances, your umbrella insurance will help you pay for the extra costs. If you do not have umbrella insurance, you may have to sell some of your business assets to foot the costs of repair.
  • Your umbrella insurance policy may offer your business coverage for liabilities that other policies do not cover. Such liabilities include slander and libel. In such instances, it stands as a primary insurance and includes a deductible or self-insured retention that your business would have to meet.
  • Your umbrella insurance may exceed the border limits of your general liability policy. If, for example, your general liability insurance only covers you for risks in a certain location, your umbrella insurance may compensate you for liability within and beyond that area.

Contact Bob Korvas Agency Inc. in Niles, IL at 847-470-8830 to discuss your new quote for umbrella insurance.

Is Dental Insurance Necessary?

Dental insurance is a policy that covers your visits to a dentist and helps to pay for the dental care you get. Generally, this plan covers the entire costs for preventative procedures like cleanings, check-ups, and X-rays. A policyholder is usually required to pay at least 20 percent of the expenses for services like crowns, fillings, and root canals.

So, it necessary to get dental insurance from insurance providers like Bob Korvas Agency Inc. that serves Niles, IL and surrounding areas. Here is why you should consider a dental insurance coverage.

Preventive care

You always pay for your auto insurance even though you may not necessarily use it. This is good since the coverage will come in handy when you need it most. The same applies to dental insurance. Other than giving you the peace of mind, you will be sure your dental expenses are taken care of, especially when it comes to examining, cleaning, or X-ray. This is done at least twice every year giving your dentist the opportunity to spot and minimize the chances of having any kind of tooth problems.

You can get a dental insurance through your employer or by purchasing the cover on your own. In case you are self-employed, consider getting a pay-as-you-go plan. Many health insurance plans often cover dental services that are needed after an injury. However, make sure you check out the terms of the policy before making this assumption.

It’s clear that regular dental care helps to prevent more severe medical conditions. Shop around for a professional dentist in Niles, IL who provides the best rates on different treatment options. You can be sure your dental insurance policy from Bob Korvas Agency Inc. will cater for the expenses as long as it’s clearly stipulated in the policy document. Contact us today for more information.

 

How Commercial Insurance Protects Small Businesses

When you are growing a business, the budget may be tight.  Any disaster or personal injury could spell the end of the venture.  This is why commercial insurance is so important for small, growing businesses.  Regardless of how careful and attentive everyone is, there is always the potential that a staff person or client could be injured on the business’ property.  Also, severe weather is a threat to any business.  If the company owns vehicles, they will also need to be insured.  While these threats exist for every business, commercial insurance policies can help protect should the unthinkable occur.  The team at Bob Korvas Agency Inc. works with small businesses throughout the Niles, IL area.  They understand the concerns of owners and work to ensure that they are adequately covered. 

The term ‘commercial insurance’ actually covers a range of policies that can be used to protect various aspects of the business.  General liability insurance is a good starting point.  Other policies include professional liability and product liability insurance to protect against negligent services or defective products.  Property insurance covers the business’ physical location against damage or destruction.  Commercial vehicle insurance covers the company’s fleet while they are out on the road.  Workers compensation protects employees should they be injured on the job.  Loss of income insurance protects the business as a whole in the event that a disaster disrupts the normal flow of business.  These are just a few of the types of policies that are available to protect small businesses. 

Small business’ need room to grow.  Commercial insurance policies protect the entity so that if something happens, the business has a chance to repair and recover.  The agents at Bob Korvas Agency Inc. know the challenges Niles, IL businesses face.  Call them today!

3 Health Tips All Teenagers Should Follow

When it comes to raising teenagers in Niles, IL it is of the utmost importance that you do all you can to keep your kiddos as healthy as possible. To do this, there are several tips you should have your teens follow. 

Routine Checkups

It is easier to track changes in teens’ social, mental, and physical developments when they go to the doctor for routine checkups. Regular checkups also help doctors give quality advice regarding a teen’s lifestyle and eating habits. More so, through routine visits to the doctor, a physician can monitor a teen’s alcohol and tobacco use, and if needed, proper treatment recommendations can be made. 

The Value of Health Insurance

Adult teens who are no longer on their parents’ health insurance are often known to avoid medical care and underestimate the importance of health insurance. Two of the top reasons they avoid getting health insurance is because of issues with cost and confidentiality. The truth is, though, being a teenager is a great time to invest in health insurance because the younger and healthier you are, the lower your premiums will be.

Get Enough Sleep

Teens often find it challenging to get the recommended amount of sleep, especially if they are busy with extracurricular activities or have a job. Getting a good night’s sleep, however, is just as important as getting physical activity and eating healthy. In fact, studies have shown that getting a good night’s sleep can do wonders in regard to doing good in school, fighting off infections, and being able to drive and work safely. 13 to 18-year-olds should get between 8 to 10 hours of sleep every night.

If you would like to learn more about health insurance for teenagers, please contact the Bob Korvas Agency Inc. serving the Niles, IL area.