Here at DiFronzo & Company, we strive to place the customer first. We provide outstanding service offering options and creative ideas to buyers. We promote competitive products while representing quality companies. Combined, we have over 80 years of insurance experience.

Our products include Group Health, Life, Dental, Vision, and Disability. On the individual side, we offer health insurance which includes High Deductible Health Plans, Senior Plans and Long Term Care. We are also able to write Vision and Dental on an individual basis. Life insurance is offered in both Term and Universal Life.

The companies we represent are stellar and service oriented. In addition to our base business practice, Mick DiFronzo is a licensed insurance consultant and can be hired on an hourly or flat monthly fee.

Give us a call. We are confident that we can find the right product for you whether it is group or individual insurance.

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On this page you will notice a subsidy calculator that will help you determine an estimate of the subsidy that you could qualify for to help pay your premiums in the new Marketplace/Exchange.  This is a great tool to help you understand how this process will go.  Go ahead, play with it, see what you come up with and learn how this could benefit you in January, 2014.  And like everything else on our webpage, if you have any questions, please give us a call.

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 5 things to know about health insurance 

  1. There are many kinds of private health insurance policies. Different kinds of policies can offer very different kinds of benefits, and some can limit which doctors, hospitals, or other providers you can use.
  2. You may have to pay coinsurance or a co payment as your share of the cost when you get a medical service, like a doctor's visit, hospital outpatient visit, or a prescription. Coinsurance is usually a percentage amount (for example, 20% of the total cost). A co payment is usually a set dollar amount (for example, you might pay $10 or $20 for a prescription or doctor's visit).
  3. You may have to pay a deductible each plan year before your insurance starts to pay. For example, let's say you have a $200 deductible. You go to the doctor and the total cost is $250. You pay the first $200 to cover the deductible, and then your insurance starts to pay its share.
  4. Health insurance plans contract with networks of hospitals, doctors, pharmacies, and health care providers to take care of people in the plan. Depending on the type of policy you buy, your plan may only pay for your care when you get it from a provider in the plan’s network, or you may have to pay a bigger share of the bill.
  5. You may see products that look and sound like health insurance, but don’t give you the same protection as full health insurance. Some examples are policies that only cover certain diseases, policies that only cover you if you’re hurt in an accident, or plans that offer you discounts on health services. Don’t mistake insurance-like products for full comprehensive insurance protection. Full health insurance usually covers most medical problems.

 Click here to get more information from Healthcare.gov

All plans available on the Healthcare.gov website will have a metalic name.  They will be listed as Bronze, Silver, Gold and Platnum.  In the State of Montana you will have 3 different companies to choose policies from.  Those companies are Blue Cross & Blue Shield, Pacific Source and Montana Health Coop.  We at DiFronzo & Company are licensed with all 3 companies and will be more than happy to help you with any questions you may have.  Remember, for a January 1st effective date, you must enroll in a plan between October 1st through December 15th.  If you enroll after December 15th, your coverage will begin February 1st.  You have until March 31st to enroll with an effective date of May 1st.

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Have a question?  Let us know...we are here for you!

 

Agents are independent of Blue Cross Blue Shield of Montana and all other insurance companies listed in this site and offers its products only in the State of Montana.
 
 

 

Agents are independent of Blue Cross Blue Shield of Montana
and all other insurance companies listed in this site and offers
its products only in the State of Montana.
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