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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.

What does dental insurance typically cover? Dental plans generally cover preventive care (cleanings, exams) at or near 100%, basic procedures (fillings, extractions) at a lower share, and major services (crowns, bridges, root canals) lower still. Exact coverage levels, waiting periods, and annual maximums vary by plan — we’ll walk through the specifics of any plan with you before you choose.

It depends on the plan and the service. Many plans cover preventive services (cleanings, exams) with no waiting period. Basic services (fillings, extractions) may have a short waiting period, and major services (crowns, surgery, dentures, bridges) often have a 12-month waiting period. We’ll show you the exact waiting periods for any plan you’re considering before you enroll.

Yes, our vision plans typically cover annual eye exams, eyeglass frames, lenses, and contact lenses. Coverage amounts and frequency depend on your selected plan.

Many of our plans through Running Shius Agency offer both in-network and out-of-network benefits, but staying in-network saves you more.
Critical illness insurance provides a lump-sum cash benefit if you’re diagnosed with a serious illness like cancer, heart attack, stroke, or kidney failure, helping to cover costs not paid by traditional health insurance.

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.

Do policies require a medical exam? Many of our life insurance options don’t require a medical exam. Whether one is needed depends on the plan and the coverage amount — we’ll tell you upfront what your options require before you apply.

We work with major national and regional carriers to offer individual, family, and group plans, Medicare Supplement and Medicare Advantage plans.

Depending on your income and household size, subsidies can significantly lower what you pay each month for Marketplace coverage.

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 Any time of year if you qualify for a Special Enrollment Period due to life events like losing job-based coverage, moving, marriage, divorce, having a baby or adopting, or other qualifying events.

⦁ 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. Coverage starts the first day of the month after you enroll (the old July 1 start date ended in 2023). Enrolling late can still mean a permanent late penalty on your Part B premium. ⦁ 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.

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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

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