Insurance You Can Trust

Good to Know...

Insurance can be confusing, so we made it simple. If you still have questions, contact us here.

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  Why Axxess?

  We represent multiple insurance companies and will help you find the right plan or policy that fits your unique needs. You will receive one-on-one personal service, even throughout the year whenever you have questions or concerns about your coverage. At Axxess, we treat our clients like family.

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  What’s the difference between Medicare and Medicaid?

  Medicare and Medicaid are both government health care programs, but they are very different. Medicare is for people who are 65 or older, or who are younger but have a qualified disability. Medicaid is a state-governed program for people with limited income. (Read More)

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  What’s the difference between a Medicare Supplement and a Medicare Advantage Plan?

  This is the type of question that Axxess agents take the time to explain to our clients every day, especially those who are newly eligible for Medicare. We call it Medicare 101, and we’d be happy to do the same for you. In the meantime, the short answer is this: (Read More)

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  What’s the difference between the deductible and the maximum out-of-pocket?

  If you get these two terms confused, you’re not alone. A deductible is the dollar amount you’d have to pay before your plan starts covering your costs. If someone chooses a high deductible plan that’s outside of their budget just because the premium is lower... (Read More)

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  I’m young and healthy, so why should I pay for health insurance?

  Even young and healthy people should visit the doctor for annual checkups to make sure they stay healthy as the years fly by. Younger people also tend to be more active, they drive more, and they’re usually out later at night. Accidents happen, unfortunately, and one emergency room... (Read More)

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  What do Marketplace health insurance plans cover?

  All plans offered in the Marketplace cover these 10 essential health benefits:

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital).
  • Emergency services.

  (Read More)

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  Who needs life insurance?

  Everybody who is alive. We all should have some form of life insurance to protect our loved ones from the sudden urgent need to raise thousands of dollars in the midst of their grief when the life of their beloved comes to an end. It’s a delicate subject that no one likes to think about, but it’s a 100% certainty that everyone will face someday. Axxess agents are ready whenever you are to discuss your life insurance options.

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  Should term insurance or cash value life insurance be purchased?

  The amount of life insurance that you need may be so large that you may decide to purchase term insurance because it has a lower premium.

  If your ability to pay life insurance premiums is such that you can afford the desired amount of cash value life insurance, important factors affecting this decision will include your income tax bracket... (Read More)

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  What’s the difference between copays and coinsurance?

  A copay is a set amount that you’ll pay for doctor visits or prescriptions. It’s always a set amount, so it’s easier to plan and budget for copays. On the other hand, a coinsurance is always a percentage. But percentage of what?

  For Medicare Advantage plans, coinsurances are a percentage of ... (Read More)