The Stevens Insurance Group

In February of 2018, The Stevens Insurance Group was started with the amazing partnership of Joel and Val Stevens.
With 17 years of collective experience in the insurance business, our approach to insurance is based on policy research and individualized coverage- all of the plans that we offer are customized with all of our client's needs analyzed and evaluated.
As an independent brokerage agency, we compare all of the plans available- to insure the best possible coverage!
Insurance is meant to protect and provide in the event of a healthcare issue.

What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs.
It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.
This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.
For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

Medicare is a fee-for-service health care program for seniors, in which the government pays health care providers directly for services that fall under Parts A and B of Medicare benefits (see below).
Medicare is divided into four categories.
This allows you to customize your personal coverage when shopping for a comprehensive policy.
Part A (hospital insurance): Covers hospital care, emergency services, nursing home care, home health services and hospice.
Part B (medical insurance): Covers medically necessary services and supplies used for diagnosing and treating medical conditions, and preventative services for illness prevention and/or early detection.

There are many forms of insurance.
Some, like car insurance, only provide a benefit to the few people who have a costly accident.
Some, like life insurance, typically don't provide a benefit for many years.
Some, like medical or health insurance, provide immediate benefits, but can be very costly.
Dental insurance is rather unique.
First, its low cost makes it highly affordable for individuals and families.
Second, because dental insurance encourages and generally pays for regular check-ups, many people who purchase protection start to benefit immediately.