A healthy body is a happy body, and there’s no better way to preserve your health, your family’s health, or your Businesses health than with a policy from Shaw & Petersen Insurance.
Employers today are facing a constantly changing environment and the need for a true specialist in the area of employee benefits has never been great. Utilizing our Benefits Team, we offer a range of services designed specifically to meet this need. Group medical and employee benefit programs are among the most important business challenges facing employers today. We will help you manage these challenges so you can focus on what you do best, running your business.
Individual Medical Insurance and Supplemental Health policies have become more popular in recent years as many clients have lost their health benefits or for those whose medical services are not covered by standard group insurance plans or programs like Medicare. Those Individuals, particularly those going on Medicare, have found our Benefits Team to be a unique resource for them during this important decision making time of their lives.
- Group Medical
- Group Dental
- Group Life
- Group Short & Long Term Disability
- Section 125 and Cobra Plan Administration
- Individual Life and Disability
- Individual Medicare Supplement
- Individual Health
Common Health Insurance Terms
When discussing health insurance with a Shaw & Petersen Insurance agent, it helps to understand some of the common terms you’ll run into. Below you’ll find definitions to some of the most common health insurance terms.
Deductible–the amount of money you pay toward medical bills before your insurance coverage begins.
Co-pay–a specified amount of money you pay upfront for doctor visits and prescription refills.
Coinsurance–the percentage of medical bills you pay after meeting the deductible.
Max Out of Pocket–when you meet your out-of-pocket limit, you will no longer have to pay cost-shares during the remainder of your benefit period.
To learn more about health insurance, call Shaw & Petersen Insurance at 707-443-0845 and talk with one of our agents today. We’re right here in California, ready to guide you toward a more secure future.