Weaving your way through the health insurance exchanges can be a daunting task in Pomona, CA. Affordable options that have all the benefits your family needs are out there, but it’s difficult to know where to find the information you need to make the best decisions. At THINK Insurance & Financial Services, you can get straight answers to your most pressing questions.

Coverage Changes

Knowing your rights is the first step to choosing optimal coverage from a plan you can afford. Health, dental and vision benefits are available to different degrees under the most recent changes to Covered California.

Most health insurance for individuals and small business owners is labeled Platinum, Gold, Silver or Bronze to distinguish the level of coverage. Also, there’s a minimum plan available to workers under 30 who are going through financial hardship. Under state law, all comprehensive packages have to include certain essential benefits. Prescription drugs, emergency services, mental health care and other services are divided into 10 categories of coverage for comparison.

Dental and Vision

For vision insurance, kids are covered under every plan on the exchange. While Covered California doesn’t include adult vision care in its health plans, participants are linked with insurance agencies that provide quotes for coverage. This keeps the process transparent in an effort to keep premiums reasonable. California kids are covered for healthy smiles under all plans available for purchase on the exchange. Dedicated pediatric dental care is provided. The exchange does offer dental coverage for adults that are available through family dental plans.

Call the experienced agents at THINK Insurance & Financial Services to learn more about your health insurance options in Pomona, CA. We can help you set up an appointment for a quote today.

If you are renting an apartment or home, it is important to get renters insurance to protect yourself, your belongings, and your finances. Remember that all renters insurance policies are different, so not all the policies will protect what we outline below. However, most renters insurance policies will protect:

Your Personal Property

The most important thing that renters insurance covers is your property. For example, if someone stole your electronics and some cash, this would likely be covered by your policy.

Liability

In a situation where you were found responsible for the injuries of someone else or for the damage to someone else’s property, you may be sued for these costs. In this situation, the right kind of renters insurance would cover these cases so that you didn’t have to pay for damages out-of-pocket.

Living Expenses in Special Cases

In some situations, your apartment or home may become uninhabitable. For example, let’s say there was a fire in your apartment building, and you could no longer live there for the time being. Renters insurance would cover the cost of a hotel for you to stay in while the apartment building was cleaned up or until you found a new home.

Remember that renters insurance does not cover structural damage to the home or apartment that you’re renting. Your landlord will need to have their own form of coverage to protect these things.

Learn More With THINK Insurance & Financial Services

Pomona, CA residents always choose to THINK Insurance & Financial Services when they want the best in renters insurance! If you are someone who’s renting in Pomona, CA, please consider giving us a call or stopping by our nearest location to find a renters insurance policy that meets your needs. One of our kind and courteous agents can lay out all your renter’s insurance options for you. Give us a call today!