Best Health Insurance Agencies in Cranston
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559 Hope Street, Bristol, RI 02809
Bristol, RI 02809
Bristol, RI 02809
John Andrade Insurance Agency, Inc., is a third-generation family-operated business that serves clients in Cranston and the neighboring areas. The company offers health care plans, including HMOs, surgical expense insurance, and hospital indemnity insurance. The agency partners with several insurance companies, including Progressive, Zurich, Foremost Insurance Group, and Hagerty, allowing it to compare and choose options that suit the needs and goals of clients. The family-owned and family-operated agency was founded by John Andrade in 1935.
559 Hope Street, Bristol, RI 02809
Bristol, RI 02809
Frequently Asked Questions:
Q: Is there a tax credit for having health insurance?
A: The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.
Q: Do employers have to offer health insurance?
A: The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.
Q: Do you have to pay a health insurance deductible upfront?
A: In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.