Health Insurance Companies

services2

Personal Lines

As an independent insurance agency, personal lines is an important part of the products

and services we provide to our clients. We have the privilege of servicing over 12,000 personal lines policyholders. Our agency’s goal is to develop long-term relationships with all of these clients, providing the safety & security that is required to protect their personal possessions and the income flows of their families. The insurance carriers we represent are among the best and share our desire & commitment in servicing your financial needs. These carriers all have A (excellent) ratings by A.M. Best, a sign of financial strength and the ability to pay claims. Our clients can be assured that the carriers we represent are fiscally responsible and highly responsive to the needs of our clients in any claim situation.  Go to the page
services5

Life & Health Insurance

At Body-Borneman, we know that our clients have more than automobiles and homes

to protect. That’s why we organized our life and benefits department back in 1962. For over 35 years, we’ve been helping customers to protect their health, incomes and savings from the risk of financial loss, including: We pride ourselves in the abundance of products and services we have available to meet your insurance needs. We are staffed with professional agents at all 3 of our locations, who can assist you with any insurance need you have .  Go to the page
services7

Commercial Lines

Body-Borneman specializes in Commercial insurance, with over 2,000 clients

Regardless of whether your business is manufacturing, wholesaling, contracting, retailing or service, we can find and tailor a program to match your needs, whether through traditional insurance products – or more creative, self-insurance captive programs As an independent agency, Body-Borneman represents a large assortment of today’s most competitive carriers for many industries. Having ready access to these markets makes us uniquely qualified to tailor to your specifications a package of protection.  Go to the page
Companies We Represent

Welcome to Body Borneman Insurance

 

Health Insurance Companies

Choosing between health insurance companies isn’t an easy feat, and can feel daunting to individuals who are not familiar with the industry. It can be hard to tell the reliable and the trustworthy from the ones that might not have your best interests at heart. However, at Body-Borneman we aim to make choosing a health insurance company an easy process. We will supply you with options and take every plan, reputation and quote given into consideration. Our agents make it their business to be experts at navigating the complicated health care industry.

 

We partner only with health insurance companies that are well-accredited, ensuring that any decision you make will be a wise one. Part of picking a health insurance plan is attempting to think of what medical expenses you may incur in the coming year. A Body-Borneman insurance agent can help you to think of scenarios that you probably wouldn’t think of on your own. We are prepared to help you every step of the way in your health insurance purchasing decision.

Tips for Finding the Best Health Insurance Company

First, do some research on what type of coverage you need. Are you looking for a family or individual plan? Are you looking for an HMO, PPO or EPO? Do you need dental or vision insurance? Have you looked to see if you qualify for Medicare? Contact Body-Borneman today if you need help getting started. Other research tips include:

 

  • Ask family and friends, and anyone you might know in the health insurance industry for their opinion and expertise.
  •  See what health insurance companies your employer partners with and what plans they have to offer.
  • Compare reviews and ratings the different health insurance companies’ receive, people will often share their experiences online whether it is good or bad.
  • Keep a detailed record of your research in order to easily and accurately compare plans.

Factors that may affect your Premium

Under the current, federal health care law, health insurance companies can account for only five things when setting your premium. States are also able to limit how much these factors affect your premiums.  Some of the information that we will need to know in order to supply you with the best option for you and/or your family includes:

 

  •  Whether or not you have any chemical dependencies and if you are you a smoker. Tobacco users pay higher rates due to the increased risk of getting a disease and illnesses from substance abuse and tobacco.
  • Your age. The older you are the more medical attention you typically need.
  •  Your location. This is because different geographic locations have different state and local rules, different costs of living, and different levels of health insurance company competition.
  • Individual vs family enrollment. Choosing to ensure a spouse or dependents will result in a higher premium.
  • Plan Category. Plan categories are based on how you and your plan share the costs of your medical expenses.

 

It is important to stay within you budget, however, it is even more crucial that you have adequate health coverage for your family. While conducting your independent research, health insurance companies may do their best to make all of their plans sound wonderful in order to get you to stop looking around. Always be very thorough and make sure to ask plenty of questions. Don’t forget to think about the total costs of your health care, including both your out-of-pocket costs as well as your deductible. There are sure to be many great options that suit you, so consider going through Body-Borneman insurance agency so that we may guide you in finding the right coverage for you at the lowest cost based on your wants and needs. We will always have your best interest in mind and will do everything we can to provide you and your family with the best coverage possible. Tailoring an individual, family, or group insurance plan is what we at Body-Borneman do best. With so many sound choices to choose from, you can spend less time researching and choosing your plan, and more time living your life. Body-Borneman insurance professionals work with every client to discern the needs and goals of each individual. Not only do we offer an impressive array of insurance carriers like United Healthcare, Aetna, Met life, and Independence Blue Cross/Blue Shield, but we provide superb customer service as well.

Thinking Beyond Health Insurance

As a full-service insurance provider, we see daily how beneficial it is to have multiple forms of insurance. Life will always be unpredictable, but with the right insurance coverage, an unpredictable life doesn’t have to also be a tough one. In addition to health insurance, a Body-Borneman agent can help you to figure out what types of other insurance will best suit your needs, from life insurance to auto insurance and everything in between.

 

Whole Life Insurance

 

Many insurance companies provide whole life insurance but with Body-Borneman Insurance, we find the right company to provide you with whole life insurance. We can help you find life insurance at low premiums. We have the necessary knowledge to help you find a premium at an affordable price, and the whole life term you need. Life insurance should be important to everyone. The death of a loved one is an extremely stressful time, and a life insurance policy helps to ensure that financial issues do not cause any additional stress to your beneficiaries. Usually beneficiaries are family members, which the life insurance will pay the cash value to, after the death of the purchaser.  There will also be death benefits to help your family cover the funeral expenses. Finding the right policy is essential for protecting your family and many feel that whole life insurance does exactly that. Body-Borneman Insurance can help you find what you need.

 

Paying a higher premium can actually be worth it when purchasing a whole life insurance plan. As long as you pay your premium on time, the policy rate will never increase. This means that until the day you die, you will be paying a set premium which will all just accrue the cash value. One of the main differences between term life and whole life insurance is simple, the term life insurance is cheaper. Because it is cheaper there is absolutely no cash value, and it will only last for 10 to 30 years. However with whole life, you receive a cash payout that allows beneficiaries to direct the money where they see fit, and adds more stability to your family. A medical exam is always required, but be sure to talk to an agent for more details regarding your specific circumstances.

 

GAP Insurance

 

If you are leasing a vehicle or bought your car with only a small down payment, it would be wise to consider purchasing GAP insurance. When you speak with a Body-Borneman Insurance agent, they will help you to find dependable GAP insurance coverage. Our clients hire us because we help them find the absolute best coverage for their price range. We also negotiate with insurance companies to help lower the premium in any way possible. We will always ask about discounts that you might be eligible for and even inquire about bundling services. At that point we are able to offer you a list of companies to go through. Don’t waste any more time to add GAP to your auto insurance policy. Body-Borneman is here to ensure that all of your auto insurance needs are covered.

 

The thought of making a claim to an insurance company instantly evokes a headache in many people. However at Body-Borneman we pride ourselves on our exemplary customer service and work with you throughout your entire claim process, from initial response through final resolution, to provide fast, caring service to settle your claim. Report you claim as soon as possible to begin resolving your claim immediately.  When you are contacted by the claim representative you will be able to discuss you claim, and ask all the questions you might have about deductibles, what’s covered or the repairs. In the event of an auto accident, you will also need to schedule an inspection of your vehicle. We will help to ensure your every need is taken care of, whether you need towing, or if you prefer to use your own repair shop. Either option, we will be happy to work with you to make an appointment when you report your claim. If you need a rental car, your claim representative can make arrangements for one. Your rental may be covered depending on your policy coverage and the circumstances of your claim.

 

Home Owners Insurance

 

Every home owner needs to purchase home insurance. This insurance serves to protect you in case of a natural disaster, storm, fire or other incidents. Even if you feel you are not threatened by any natural disaster, you never know what can happen. Many people feel as if they do not need home insurance and neglect to get insured until something devastating actually occurs. At that point it can be impossible to come up with the money for repairs. Although there is no federal law requiring home owners insurance, many banks and lending institutions require home owners insurance to protect their interest in the property.

 

If you are focused on lowering your premium, the simplest way to do that is to increase your deductible. Depending on your location, a wind mitigation inspection may also help to lower your costs. Naturally, if you choose to have a pool or other features that may pose a safety concern, you might find that your rates are higher. However, installing a safety feature such as a fence surrounding the pool is typically viewed favorably by insurance companies.

Contacting Body-Borneman

Now that you have decided to begin researching health insurance companies, we invite you to contact us at one of our four branch locations:

 

17 E. Philadelphia Avenue

P.O. Box 584

Boyertown, PA 19512

 

230E. Schuylkill Road

Pottstown, PA 19465

 

1389 East Boot Road

2nd floor, above Vano’s Pizza

West Chester, PA 19380

 

Franklin Commons

400 Franklin Avenue Suite 205

Phoenixville, PA 19460

 

At Body-Borneman, we help customers to protect more than just their savings from the risk of financial loss. Although you may be approaching us for one specific insurance need, we invite you to consider how other types of insurance may benefit you and your family. We are able to offer our clients a full range of insurance services including: life insurance coverage, debt retirement planning, health insurance coverage, estate planning, savings planning, LTC coverage, college planning, disability insurance, retirement planning, commercial insurance and many more. If you are curious about how any type of insurance might improve your financial stability, do not hesitate to speak with one of our experienced insurance agents today.

 

 

 

.