Health Insurance: What About Pre-Existing Conditions?

When Tucson, AZ clients seek health insurance policies, there is no shortage of questions that have to be answered. Castillo & Associates Insurance is here to help. Preexisting conditions are one of the primary areas of discussion in these instances. So what does the applicant need to know before meeting with an insurance provider in Tucson, AZ?

What Counts as a Preexisting Condition?

Any health problem that the applicant was aware of before filing an application for a new policy counts as a preexisting condition. Cancer, diabetes, sleep apnea, epilepsy and lupus are typically included in these instances. Be sure to ask about any specific preexisting conditions that have not been listed during the consultation meeting. 

Will I Be Denied If One Of These Conditions Exists?

By law, no health insurance provider is able to deny an applicant who is looking to receive coverage. There are also no limits that can be placed on the health insurance plan. If the client is experiencing these sorts of difficulties when it comes time to meet with a health insurance provider in the state of Arizona, this is a sure sign that the applicant should be focusing their attentions elsewhere.

What About Pregnancies?

If an applicant is pregnant before they apply for these policies, they cannot be denied on that basis. The insurer is also not allowed to charge the applicant extra because they are pregnant. This is a practice that is forbidden by law. Once the applicant has enrolled in the policy, they receive the necessary coverage and so does their child. As soon as the plan starts, the parent and their baby receive complete coverage. 

Be sure to visit the Castillo & Associates Insurance website to find out more about preexisting conditions and how they affect a potential policy. Pick up the phone and give us a call if you have any further questions. 

Reasons You Need Umbrella Insurance Right Now

An umbrella insurance policy in Tucson, AZ can protect your current assets and any future earnings from an expensive lawsuit. This policy will increase your liability limits beyond the coverage that is spelled out in your home and auto insurance. It can be much cheaper to add an umbrella policy than it is to increase the limits on these current polices. You should consider an umbrella policy now if you have certain risks. An agent at Castillo & Associates Insurance can help you find the best policy to work with your risk factors.

A Teenage Driver: When a driver is young, the risk of an accident increases significantly. With an accident, you could be sued for injuries and damage.

You Entertain: Entertaining can bring a lot of risks, including guests falling on your property or being injured at your pool. You could also be sued for negligence if guests leave your party after drinking and injure others.

You Have a Pool: The risks of being sued increase when you have a swimming pool. Your homeowner’s insurance will pay for some of the medical expenses, but if someone gets seriously injured they may need expensive long-term care that will go above and beyond your liability limits.

You Have a Long Commute: The more miles you drive, the greater the risk you have for causing an accident. When car accidents result in a serious injury or death, you can be sued for past and future medical expenses, earning capacity, lost wages, and pain and suffering, which can add up.

You Have a Dog: Bites and other dog-related injuries could add up. Even if your dog seems like he would never bite someone, you never know when an accident can happen.

You Have a Second Home: The more you own, the greater your exposure to liability. Your vacation home may be unoccupied for longer periods of time, so your risk goes up, especially if you have pools or hot tubs that can lure guests when you aren’t there.

Contact Castillo & Associates Insurance, serving Tucson, AZ, to get a quote on umbrella insurance. 

When Is a Good Time to Get Health Insurance?

There’s never been a better time to get health insurance nin Tuscon, AZ. You may have heard that there are only certain parts of the year when a person can enroll in a new plan, and while this is true to a certain extent, it should also be known that you are free to purchase health insurance at any time. There are many changes that can occur in a person’s life that make it to where they need to get a new insurance policy. Keep reading to learn why now is the best time to start shopping for health insurance.

You Can Tweak Your Policy At Any Time

As you get older, your health needs are likely to change. Just because you get a certain type of policy now doesn’t mean you can’t change it in the future. If you’re unsure as to what type of policy to get, it is highly-recommended that you speak with a qualified agent from Castillo & Associates Insurance. An agent can assess your health needs and help you create a policy that meets those needs. As you get older and as your health needs change, your agent can help you tweak your plan to better suit your needs and preferences.

Everyone Needs Health Coverage

Another reason now is the best time to get health insurance is because everyone needs health coverage. Even if you don’t get sick for every often, it is still very important to your health that you receive regular wellness checks. These checks can be very expensive without health insurance coverage.

To learn more about the importance of health insurance and how to go about getting a policy that meets all of your needs, contact Castillo & Associates Insurance serving the Tuscon, AZ area.

Should You Choose Replacement Value Or Actual Cost Value Home Insurance?

When choosing the type of home owner’s insurance you want, it is important to know whether you would like to be able to replace your home completely based on the current market value, or would you rather receive the amount it cost to build the home. 

Actual Value Or Replacement Cost

Generally, you are probably going to come out ahead if you select replacement cost insurance. There may be some circumstances where you might benefit from actual cost value insurance products, but it tends to be easier to work with the replacement value. Replacement value insurance will pay you the current market value of your home and the current amount of labor it will take to rebuild the home. Actual value locks in the price when the home is built and doesn’t allow for changes. Choose an insurance agent who will work with you to find the type of insurance you need to adequately protect your home.

Working With The Right Agency

Not all insurance agencies are alike, which is why you need to choose a reputable company who knows the ins and outs of home insurance. You can depend on the knowledgeable insurance agents at Castillo & Associates Insurance, serving the residents in and around the Tuscon, AZ area to suggest the right products. They are dedicated to helping clients achieve the peace of mind that only the highest quality insurance can provide.

Before deciding on a policy, call or stop by the office of Castillo & Associates Insurance. They look forward to serving the residents in the Tuscon, AZ area and helping them achieve stability and confidence with their insurance products. 

For Your Tucson, Arizona-area Insurance Needs, Visit the Professional Team at Castillo & Associates Insurance

Castillo & Associates is an independent insurance agency providing insurance services to the Tucson, AZ area. Their professional team of insurance specialists provides timely and efficient insurance sales and service. Whether you need new service, an existing policy interpreted, or a claim presented to the parent company, Castillo & Associates is the agency to go to to resolve your insurance issues.

Finding a local insurance agency that you are comfortable with is always a challenge. In the Tucson, AZ area, you need to look no further than the independent professional insurance representatives at Castillo & Associates. They work around the clock to address your questions, settle your claims, discover new insurance products to make available, and to save you money on insurance products. These tireless Tucson, AZ agents perform on your behalf as they are stay informed on new industry trends and new insurance products. Because of insurance industry-provided education opportunities, your independent Tucson, AZ-area agent is able to stay abreast of both national Underwriting trends and any developments in Arizona law which impact the insurance industry. This ability to remain current on finance and insurance matters gives your Tucson, AZ-area Castillo & Associates agent a professional edge over others providing similar services to the Tucson, AZ service area.

Call Castillo & Assoc. today to let the agency discover how it can be of service to you. Let us find out if you have sufficient and adequate coverage to protect your family and your assets. Be confident that your loved ones and assets are properly taken care of when you reach out to Castillo & Associates with your insurance needs in the Tucson, AZ area.

Babies, Animals, Technology and other things that don’t go with heat

Castillo & Associates Insurance serving Tucson, AZ knows all about heat, cars, and insurance. It’s Arizona, and some parts are hot.

In this incredibly mobile world, we start thinking of our cars as bubbles of conveniences that are extensions of our homes.   However, unlike our homes, the small nature of cars has them soar to blistering heat, in a matter of minutes. Our most precious possessions: our beloved children, our animals, and technology: like phones and computers, can boil and die when exposed to too high temperatures. Unfortunately, those temperatures can skyrocket in a matter of minutes.

Here are some facts about heat and cars and the things precious to us:

  • In 80 degrees to 100 degrees, the temperature inside a car parked in direct sunlight can climb to between 130 to 172 within 10 minutes.
  • Over 600 children have died since 1990 by being left in a hot car. (This doesn’t account for the countless animals.)
  • Exposure to high heat can cause permanent brain damage.
  • "Just a moment, while I run in and do…"   isn’t the way to think.   It’s always longer and hotter than you realize.
  • Children and pets are at higher risk for heat-related illness and injury than adults, partly because they don’t sweat like adults.
  • Heat of only 90 degrees can fry the processor on your laptop or phone.
  • Extreme heat can lower your battery’s life and make the hard drive expand.
  • If your computer or phone does heat up past 90 degrees, let it sit in a cool room and allow it to cool down for 30 minutes.

If you want to know more details to protect all the things in your life, Call or visit Castillo & Associates Insurance serving Tucson, AZ, they take the heat out of any insurance issues you might have.

Castillo & Associates Insurance

Whether you are purchasing your first home in sunny Tucson, AZ or you are downsizing after your kids have grown up and moved out, it is vital that you make sure that your home is safe and protected against the unknown every step of the way. Your home is more than a place for shelter. It is the hub of your world where you raise your family, work, and create your life. This is why have peace of mind in your home in the form of home owners insurance is incredibly important.

Here at Castillo & Associates Insurance, our agents will walk you through the process of purchasing or switching over your homeowners insurance. We will take into consideration your the location of your home, the needs of your family, and what your budget is. The truth is that, no matter how much you’d love to think that your home is immune to disasters and break ins, we have no way to predict what could happen. Between Arizona wildfires to flooding and mudslides, there is no way to pre-determine what will happen. However, you are able to protect your home proactively. 

We understand how confusing and nerve wrecking the world of insurance can be to navigate. Our agents will sit down with you and help you determine the best kind of home owner’s insurance for you and your family. We want to restore the peace of mind that you deserve to have in your home. We encourage you to think of any questions or concerns you may have so that our agents can address them directly. Purchasing and maintaining a home is challenge enough. Purchasing the right homeowners insurance shouldn’t be.

Don’t waste any time! Come into our offices today to talk to one of our agents or give us a call to set up an appointment.