Frequently Asked Questions
General
What is health insurance?
Health insurance protects you from the full cost of medical services. In exchange for a premium, your insurance company will cover the costs of healthcare or other medical services and procedures.
Why do I need insurance?
Health insurance helps you manage the costs of medical care, including regular doctor's visits and treatments for unexpected illnesses and injuries. One procedure is enough to create a financial burden on your family.
What does it cover?
Health insurance can cover a variety of different things, from regular checkups to major medical surgeries. The types of services that are covered will depend on your specific health plan.
How do I get insurance?
We'll help you review a variety of health plans from different health insurance companies, and together, we'll choose the one that best fits your needs.
Is health insurance required by law?
No, having health insurance is not required by law. However, there are a lot of downsides to not being properly insured.
How much does it cost?
The cost of health insurance varies. Costs vary based on the specific plan you choose, whether you have insurance through an employer or private insurer, what state you live in, your premium amount, etc.
Give us a call, and we'll help you stay within budget.
About MBM
What does MBM stand for?
Mary Brown McKinney Insurance Inc.
How long has MBM existed?
MBM opened its doors in 2012.
What makes us different?
We're an independent agency. Instead of selling you a specific product, we compare plans and quotes on your behalf, and we present you with the best options. In other words, we work for you.
Do you only represent one agency?
No, MBM works with a variety of top-rated carriers.
How do I get in contact with you?
Feel free to say hello, we're here to help! You can reach us by telephone at, (404.885.6652), by email at mmckinney@mbminsurance.net, or by appointment https://calendly.com/mmckinney-3.
Coverage
What's the difference between group and individual coverage?
Health insurance provided to you by an employer is called group coverage. Health insurance you buy on your own—not through an employer —is called individual coverage.
How can MBM help my small business?
Well, we go beyond just selling you an insurance plan. We'll give you unbiased advice, and show you how to use insurance wisely to meet your financial and business goals. We begin by sitting down assessing your needs, looking at how your business approaches and manages risk, and then we'll develop a plan just for you.
What is risk management?
Risk management is a broad topic. It includes assessing the risks associated with your particular business, and then coming up with a plan to help mitigate those risks. Insurance is one component of a risk management strategy.
What is supplemental insurance?
Additional coverage that helps pay for healthcare costs not covered by a person's regular health insurance plan.
Should I update my coverage?
Life happens, and things can change unexpectedly. Anytime your circumstance or needs change, so should your coverage. Reviewing your plan after a major life change is usually recommended.