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Shop for Health Insurance the smart way.
Finding the right insurance is a real challenge. It is a smart idea to get help from experts when it comes to choosing the right insurance. You have several choices when it comes to your coverage. As an independent agency, Nova Insurance can help you shop around and compare rates and coverages from multiple reputable insurance companies until you find a policy that meets your needs and budget.
Independent agents like us work for you – not insurers. While it costs you nothing to use the services of Nova Insurance, it could save you a lot of amount of time and money. We can also help you assess your actual coverage needs so you are better protected against loss. If you already have coverage, we can shop to see if there is a better option for your needs. Get in touch today, and let's find you the best coverage for your needs.
Top 5 FAQS
How much auto insurance do I need?
Most states have a minimum requirement of coverage you are expected to have. You will need proof of this insurance to register a vehicle. These requirements will sometimes not be enough to cover the cost to you of an accident. If they are not, then you would be paying out of pocket any additional expenses. Because of that, you want to consider coverage that extends beyond the minimum requirements. You will want to consider certain factors when determining the coverage you will need including:
- The value of your assets
- How often and when you drive
- What type of car you drive
- Who rides along with you
What does health insurance cover?
Covered benefits typically include:
- Medically necessary hospital stays and surgical procedures
- Diagnostic tests
- Visits to the doctor
- Routine preventive care
Because coverage varies so much plan to plan, it is really important to understand your policy details in order to know if you have the right plan for your needs. We are happy to help you reach that understanding in any way we can.
You will want to understand what is covered at 100% and what is not. You will also face extra costs such as co-pays, deductible and co-insurance.
Is health insurance required by law?
Health insurance is not required by law.
What charges will I have when I use my insurance?
Minimum requirements vary state by state. For specifics, please reach out to us and we can discuss the details with you.
Can I wait to sign up until I need it?
It depends. Generally, you can only sign up for health insurance during the open enrollment period which happens every fall. However, there are special circumstances under which you can apply outside of that window. These include: a job layoff, immigration status change, a marriage, a divorce and more.
If you become ill and don’t have insurance, you’ll be responsible for 100% of your health care costs. That can add up fast!
What affects health insurance premiums?
Factors that may affect your premium include:
- The details of the plan (deductible, coinsurance and benefit options)
- Who will be covered by the plan (single applicant, spouse, children or full family)
- The age of people on the plan
- Tobacco use of people on the plan
- Location of residence
- Personal income
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As an independent broker, we don't use automated search engines. Your quote will be customized. We also offer a full, complimentary review and gap analysis to make sure you have all the coverage you need. Just complete this form and we'll get back to you ASAP.
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