Life and Health

We offer free quotes and dedicated personal service.

We are an independent insurance agency with the customer in mind. We have relationships with dozens of insurance companies, allowing you to get the right price for the right service. Regardless of your history, we find the right coverage, with the best company, at the best price for you.

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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.

  1. Fee-for-Service
    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.

  2. Managed Care
    More than half of all Americans have some kind of managed-care plan1. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

What is 'long-term care'?

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

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Man Driving in Car
What are the types of disability insurance?

There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

  1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.

  2. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

  1. Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.

  2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

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H&M Insurance and Tax Agency specializes in providing our clients with the perfect insurance packages for them. We make sure that you will receive excellent coverage at an even better price. No matter your insurance needs, we make sure you're covered! Our helpful agents can provide you with life insurance, health insurance, auto, commercial, business insurance, and more. We are here for you every step of the way until you find the perfect plan.

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As an independent insurance agent we can offer the right coverages with the personal touch you would expect from your neighborhood insurance agent. We understand that everyone has different schedules and believe that you should be able to access information about your insurance policy 24/7. With our convenient forms, you can make changes to your policy directly from your home or office. In addition to our insurance services we also offer immigration consulting, real estate services, and tax preparation. 

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Contact me today to receive your free quote and learn more about our health, home, and auto insurance policies. 

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H&M Insurance and Tax Agency provides clients in the Orlando, Florida area with the best insurance options for an affordable price. We work with you to find the right policy for the right price. H&M Insurance and Tax Agency is an independent agency that puts the customer first. We have relationships with dozens of insurance companies, allowing you to get the perfect service for you at the best price. Regardless of your history with other companies, we will work hard to get that perfect coverage. We work twenty-four hours a day, seven days a week, to answer your questions and deliver you top customer service. You can even make the latest changes to your policy directly from our website 24/7, just use any of our convenient forms from the comfort of your home or office. We currently offer a variety of insurance options including auto insurance, life and health insurance, home insurance, and business insurance. As an independent insurance agent, we can offer the right coverages with the personal touch you’d expect from your neighborhood insurance agent. Contact H&M Insurance and Tax Agency to receive the highest quality customer service and find the perfect plan for you today. 

 

What services do you provide?

 

We offer assistance in finding and selecting the best insurance coverage for you. We offer assistance in finding the best policies in the following insurance categories: 

  • Health Insurance

  • Home Insurance

  • Renter’s Insurance

  • Life Insurance

  • Health Insurance

  • Auto Insurance

  • Business Insurance

  • Commercial Insurance

Our job is to work with insurance companies to find you the best deal. At H&M Insurance and Tax Agency, your needs come first. We will make sure you are getting the best price and the best coverage. In addition to our insurance services, we also offer a variety of other services, including tax-preparation, real estate services, Medicare assistance, and immigration consulting. If you have any questions about the many services we offer, please call, email us, or fill out the contact form on our website at any time. We look forward to hearing from you. 

How can I get a quote? 

 

We offer an easy and efficient way to receive insurance quotes. You simply have to fill out the forms that you see on our website. Click on whichever insurance service you’d like and you will find a link to an easy-to-use online form. After you fill this form out, we will contact you with your free quote! We currently offer free auto, life, and health insurance quotes. 

 

Can I make an appointment? 

 

Yes! We offer in-person consultations and appointments at our office located at 1350 Holden Ave, Orlando, FL 32839. For the most up to date appointment availability please visit our Facebook page. Our office is open Monday through Friday from 9 - 6 P.M. and Saturdays from 10 - 3 P.M. We are closed on Sundays. For more information about appointments and availability, please contact us. 

 

What is an independent insurance agent?

 

An independent insurance agent is one of the three methods commonly used to buy insurance. Unlike using a captive agent, or buying directly from the internet, an independent insurance agent sells insurance policies provided by multiple insurance companies. An independent agent is not an employee of a specific insurance company, and instead eceives commissions for the policies they sell. Independent agents are able to provide clients with a wider variety of insurance options and offer a more personalized experience. Using an independent insurance agent is the best option for a personalized experience and to compare insurance rates all at once. 

 

Why should I choose an independent insurance agent? 

 

Shopping for insurance can be overwhelming and stressful. It can be hard to know whether you’re making the right choices about your coverage and getting the best value for your money. Independent agents work with multiple insurance agencies to find you the best value. Essentially, your agent will do the shopping while you do the saving. When you request a quote through H&M Insurance and Tax Agency, you are saving yourself hours of time that you would’ve had to spend filling out paperwork for each insurance company you’d want to compare. Independent insurance agents are licensed experts. They will be able to explain complicated insurance terms so you can make a well-informed decision about your coverage and service. The agents at H&M Insurance and Tax Agency also function as your advocate and personal advisor. When you have a billing concern or want to change your coverage, your agent will be your advocate and work with the insurance company. As well as offering one-stop shopping for all of your insurance needs, H&M Insurance and Tax Agency are your consultants for life and will periodically review your coverage. We are here for you during all the changes in your life whether you are buying your first home, adding a teen driver, or getting married, H&M Insurance and Tax Agency will help you find the best new coverage. 

 

Does changing my insurance company affect my credit score? 

 

There is a common misconception that changing your insurance carrier has an effect on your credit score. Changing your carrier has no effect on your credit score; you can change it as often as you like. 

When I’m applying for insurance, what kind of questions should I expect to answer? 

 

The questions asked will depend on what type of policy you are applying for. However, you may be asked your name, age, gender, address, etc. You will also be asked a number of questions that will be used to determine how likely you are to make a claim. For example, a car insurance company will want to know about a person’s previous driving record, any recent accidents or tickets, and what type of car is going to be insured. In order to determine which program you can qualify for, insurance companies need this basic information about you. Some questions asked are designed to save you money. For example, if you ride the bus to work and only drive on the weekends, you are less likely to get into an accident and will save more money than someone who has a thirty-minute commute every day.

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