Boat Insurance.

What is Boat Insurance?

As boaters ourselves, we know how important a good boat policy is. Being on the water is a joy, but there are dangers seen, and unseen that we need protection from. We can find you comprehensive policy that protects you, your friends and family, and your boat. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.

(HMOs) and Exclusive Provider Organizations (EPOs)

• HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn’t in the HMO’s network, you may have to pay the full cost of the services provided.
• HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.

High Deductible Health Plan (HDHP)

• High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans.
• If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.

Catastrophic Health Insurance Plan

• A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of “safety net” coverage in case you have an accident or serious illness.