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We’re committed to providing you with clear and concise information about our insurance products and services.
Below, you’ll find answers to some of our most frequently asked questions. If you can’t find what you’re looking for, please don’t hesitate to contact us.
Regardless of the plan you choose, there is no waiting period for Preventive and Basic Procedures. There is a 12-month waiting period only for Major services such as surgery, dentures, bridges, etc.
Yes, our vision plans typically cover annual eye exams, eyeglass frames, lenses, and contact lenses. Coverage amounts and frequency depend on your selected plan.
You’re free to use the funds for anything—medical bills, lost income, travel for treatment, or daily living expenses.
It provides income replacement if you’re unable to work due to a covered illness or injury for an extended period—typically beyond 90 days.
We offer term life, whole life, and universal life insurance. Each serves different needs—from temporary coverage to lifelong protection with cash value growth.
We recommend 5–10 times your annual income, but our licensed agents can help you assess your needs based on debts, income, dependents, and future goals.
None of our plans requires a medical exam. There have been rare cases in which a client has requested a medical exam when applying for approval of a large policy, but most do not require one.
We work with major national and regional carriers to offer individual, family, and group plans, Medicare Supplement and Medicare Advantage plans.
Yes, we assist with ACA enrollment and can help you determine subsidy eligibility based on your income and household size. Many families do qualify for a subsidy which can lower your health insurance premium to $0.
ACA health plans offered through Running Shius Agency do not exclude coverage for pre-existing conditions.
For ACA health insurance, you can enroll during the Enrollment Period (typically November 1st through January 15th) or anytime of the year if you qualify for a Special Enrollment Period due to life events like a change in your doctor’s coverage, moving, job change/loss, marriage/divorce, and others.
⦁ You can enroll during specific periods:
⦁ Initial Enrollment Period (IEP): 3 months before, during, and 3 months after your 65th birthday month.
⦁ General Enrollment Period (GEP): January 1 – March 31, with coverage starting July 1. Late enrollment may result in penalties.
⦁ Special Enrollment Period (SEP): Triggered by events such as losing employer coverage or moving.
It depends. Some employer plans coordinate with Medicare. Special Enrollment Periods often apply, so it’s important to review your options before your 65th birthday.
Late enrollment may result in penalties or gaps in coverage. Special Enrollment Periods may apply if you qualify due to certain life events.
Have questions? Need help choosing the right plan? Our friendly team is ready to assist. Contact us today to learn more or schedule a consultation
