Frequently Asked Questions

Orton Insurance is a leading provider of business insurance solutions. They provide comprehensive coverage for businesses of all sizes, from small startups to large corporations. Their services include employee benefit programs such as medical insurance, life insurance, disability insurance, dental insurance, vision insurance and retirement plans. Other services include Buy/Sell life and disability plans to provide partnerships peace of mind for unexpected circumstances. With Orton Insurance’s range of services, businesses can be sure that they are protected against potential risks and retain employees associated with their operations.

Orton Insurance is a leader in helping businesses select and implement health insurance plans that meet their needs. By leveraging their expertise and experience, they provide comprehensive advice to employers on the best options for providing employee health coverage. They also provide valuable resources to help businesses understand the complexities of the health insurance market, including how to compare plans and make informed decisions. With Orton Insurance, businesses can rest assured that they will be able to find an appropriate plan that meets their budget and provides quality coverage for their employees.

Orton Insurance offers a variety of analysis services to businesses in order to help them make informed decisions. Their analysis includes risk management, cost optimization, and employee satisfaction. With the help of Orton Insurance's analysis services, businesses can ensure that they are making the most out of their resources while minimizing risks.

Orton Insurance is a leading provider of health insurance solutions for businesses. With their wide range of coverage options and competitive pricing, they can help businesses save money on their health insurance costs with new innovative products and ideas. Their team of experienced professionals can provide personalized advice to ensure that businesses get the best plan for their needs. With Orton Insurance, businesses can rest assured that they are getting the best coverage at an affordable price.

Orton Insurance provides a wide range of services to their customers, from business health plan assistance to other products and services. With their expertise and experience in the insurance industry, they are well-equipped to provide tailored solutions for any situation. Whether you need assistance with a business health plan or something else, Orton Insurance is here to help. They offer other insurance products such as life insurance, disability insurance, dental insurance, vision insurance and retirement plans.

Orton Insurance also provides services to individual for the same services listed above. They offer a variety of services designed to meet your needs and provide the best coverage possible.

Orton Insurance provides a range of services to its customers, from providing insurance quotes to offering advice on the best type of coverage for their needs.

Typically, customers pay the premium to the insurance company and Orton Insurance is paid by the insurance company a set flat commission per person or per employee so there is no additional fee.

For larger employers some costs can be negotiated and would be disclosed so you know what we’re being transparent and provide true value.

Orton Insurance offers a variety of business health plan assistance options to help companies make the most out of their health insurance coverage. With the help of Orton Insurance, businesses can get access to affordable health care services and plans that best suit their needs. To find out more about the business health plan assistance offered by Orton Insurance, you can explore their website for detailed information about their services and plans. You can also contact them directly to get personalized advice from experts on how to make the most out of your business health plan.

Orton Insurance provides personalized insurance policies that are tailored to meet the needs of each individual customer. Their team of experienced professionals takes into consideration a wide range of factors, such as age, lifestyle, and financial goals. They also assess the risks associated with each policy and make sure that they provide customers with the best coverage possible. By taking all these factors into account, Orton Insurance is able to customize policies that are most suitable for their customer’s unique needs and budgets.

Orton Insurance provides a wide range of health, dental, and life insurance coverage options to meet the needs of individuals and families. From traditional plans to more specialized coverage, Orton Insurance has something for everyone. Whether you're looking for basic coverage or more comprehensive protection, Orton Insurance can help you find the right plan for your lifestyle. With their experienced team of professionals, they can provide advice and guidance on the best coverage to fit your specific needs. Get in touch with them today to learn more about their health, dental, and life insurance coverage options.

Customized or personalized insurance policies offer a range of benefits that go beyond the standard coverage. These policies are designed to meet the specific needs of an individual or business, providing more tailored coverage and greater protection. Moreover, customers may also be able to customize their policy by adding riders that provide additional coverage for unique risks or situations. By taking advantage of these extra benefits, customers can ensure they have the right level of protection for their unique situation.

Factors taken into account depend on the type of protection being sought. Life and disability insurance protection and retirement products such as annuities have many different factors that must be explored.

For life insurance, items such as budget constraints, amount of debt, income needs for survivors, business needs, funeral expenses, missions, weddings, and other planned expenses would play a part in your decisions.

Disability Insurance Protection would use similar items as life insurance, however, the view is of ongoing expenses and living needs as well as business circumstances to keep living even with reduced capacity.

Business Employee Benefits programs can have many options to choose from and a great amount of flexibility to customize. The biggest factors are often budget, health and age and zip code of employees, industry, and desire to retain employees.

Orton Insurance will guide you to plan for your wishes and always inform but leave final decisions to you.

Only in certain situations are discounts offered all based on specific insurance carriers offering discounts for purchase of multiple policies.

All policies are regulated by each states’ insurance department and must meet requirements set forth.

Orton Insurance does not file claims, however, if there is a problem with a claim, they can assist. Claims are processed by insurance companies. The only exception where Orton Insurance would help file a claim would be in the case of life or disability insurance coverage.

Contact Orton Insurance if you wish to make changes.

Orton Insurance can help you assess your need for dental insurance. Some policies can be very basic and only help with cleanings, exams, and x-rays while others will be much more comprehensive to cover fillings, root canals, bridges and even implants.

Dental insurance can bring great peace of mind and save you money for ongoing expenses such as maintenance. It is especially great for large families to prevent issues and help control unexpected costs.

If you have exceptionally good teeth and few dental problems, it often makes no sense to purchase dental insurance and you should consider the cost and benefits as well as expected usage.

Yes they do! Orton Insurance can help cover people’s dental needs whether they are individuals, families, or businesses.

Each policy has its own exclusions and limitations. If you need specific answers to certain services, Orton Insurance can help you find the answers. See your policy documents to get the specifics.

Cost depends on age and number of people to be covered. An individual, age 24 could pay between $23 and $60 per month depending on which level of coverage they selected. A 65+ year old’s cost could range from $25 to $88.

Typically, employer dental plans will provide higher quality benefits for less money than individual plans. Orton Insurance can help you decide what’s best for you or your company.

Most all plans will cover preventative dental care as it is the most common service, restorative is also attainable. Cosmetic dentistry services may not be covered, however Orton Insurance will ask you about your needs to identify which plan will fit your needs best.

No, rates are set by the companies and discounts could be accessible only if that specific insurance company offers such a discount.

Family health plans are designed to provide health insurance coverage for an entire family, including the policyholder, their spouse, and dependent children. The types of family health plans offered can vary depending on the insurance provider and the region, but some common options include:

• Preferred Provider Organization (PPO) Family Plan: PPO family plans offer a network of preferred healthcare providers. They allow family members to choose their doctors and specialists, both within and outside the network, without requiring a referral. Using in-network providers usually results in lower out-of-pocket costs.
• Health Maintenance Organization (HMO) Family Plan: HMO family plans also have a network of healthcare providers, and each family member must choose a primary care physician (PCP). The PCP acts as a gatekeeper and provides referrals to see specialists within the network. HMO plans typically have lower premiums but may offer more limited coverage for out-of-network services.
• Exclusive Provider Organization (EPO) Family Plan: EPO family plans are similar to PPO plans but do not cover any out-of-network services, except in emergencies. Family members have the flexibility to choose their healthcare providers within the network without requiring referrals.
• Point of Service (POS) Family Plan: POS family plans combine features of HMO and PPO plans. Each family member selects a primary care physician and needs referrals to see specialists within the network. However, POS plans also allow family members to seek out-of-network care, although it may be at a higher cost.
• High-Deductible Health Plan (HDHP) with Health Savings Account (HSA): HDHP family plans have higher deductibles, but they are often paired with a Health Savings Account (HSA). The HSA allows the family to save money tax-free to cover qualified medical expenses. HDHPs typically offer more control over healthcare decisions and may be a suitable option for families seeking to manage their healthcare costs more proactively.
• Medicaid Family Plan: Families who meet income and other eligibility requirements can enroll in Medicaid family plans. These plans are government-assisted and provide health coverage to low-income families and their dependent children.
• Employer-Sponsored Family Plan: Many employers offer family health plans as part of their employee benefits package. These plans can vary in coverage options, networks, and cost-sharing arrangements, depending on the employer's offerings.

It's essential to carefully review the details of each family health plan before enrolling to ensure it meets the healthcare needs of all family members and fits within your budget. If you have specific healthcare requirements or preferences, it's a good idea to consult with Orton Insurance or the insurance provider directly to find the most suitable family health plan for your situation.

Orton Insurance can provide valuable assistance to families in various ways when it comes to selecting and managing their insurance coverage. Here are some of the key ways they help families:

• Understanding Insurance Options: Orton Insurance is well-versed in the different types of insurance policies available, including health, life, dental, vision, and more. They can explain the various coverage options, benefits, and limitations of each policy, making it easier for families to make informed decisions based on their specific needs.
• Assessing Family Needs: Every family has unique insurance needs based on their lifestyle, health conditions, number of family members, financial situation, and more. Orton Insurance can assess these needs and recommend suitable insurance products that provide adequate coverage for the family's circumstances.
• Comparing Policies and Quotes: Orton Insurance works with multiple insurance providers, which allows them to compare policies and quotes from different companies. This comparison helps families find the most cost-effective insurance plans without compromising on essential coverage.
• Customizing Coverage: Families often require tailored insurance plans that address their specific concerns. Orton Insurance can customize policies to include add-ons that meet the family's requirements, ensuring they have comprehensive coverage. Or they can recommend companies that fit needs based on the standard company policies.
• Navigating Complex Terms and Conditions: Insurance policies can be filled with jargon and complex terms. Orton Insurance can decipher these terms, explaining them to families in simple language so they understand what their policy covers and what it doesn't.
• Enrolling in Group Insurance: For families covered under group insurance plans offered by employers or organizations, Orton Insurance can assist with the enrollment process, explain the group policy's details, and address any queries.
• Providing Ongoing Support: Insurance needs can change over time due to various life events such as marriage, having children, or purchasing a new home. Orton Insurance offers ongoing support, helping families update their coverage when necessary to keep it aligned with their current circumstances.
• Claims Assistance: People will have claims. Orton Insurance can guide families through the claims process should there be a snag. They’ll help reassure and get involved in the process if needed.
• Renewal Reminders: Orton Insurance provides timely reminders to families about policy renewals, ensuring continuous coverage and preventing accidental lapses in insurance.
• Answering Questions and Concerns: Families may have questions or concerns about their insurance coverage at any time. Orton Insurance is a valuable resource for answering these queries promptly and offering professional advice.
• Reviewing Coverage Regularly: Orton Insurance can conduct periodic policy reviews to assess whether the family's insurance coverage still meets their needs. They can recommend adjustments or changes if necessary.

Overall, Orton Insurance act as advocates for families, guiding them through the complex world of insurance and helping them secure the right coverage to protect their well-being and financial security.

Orton Insurance can play a crucial role in helping families access healthcare coverage by providing personalized assistance throughout the entire process. Here's how they can help:

• Assessing Family's Needs: Orton Insurance will first assess the specific healthcare needs of the family. They will inquire about the family's medical history, existing health conditions, and the number of family members who need coverage. This assessment helps the agent understand the family's requirements and recommend suitable healthcare plans.
• Explaining Available Options: Idaho offers various healthcare coverage options, including individual plans, family plans, employer-sponsored plans, Medicaid, and more. Orton Insurance can explain the differences between these options, the benefits they offer, and the costs involved.
• Navigating the Health Insurance Marketplace: For families who need individual or family health insurance plans, Orton Insurance can guide them through the Idaho health insurance marketplace (Your Health Idaho). They can assist with the application process, explain eligibility criteria, and help with plan selection based on the family's needs and budget.
• Exploring Medicaid and Subsidy Eligibility: Orton Insurance is knowledgeable about the eligibility requirements for Medicaid in Idaho and can determine if a family qualifies for this government assistance program. Additionally, they can help families understand if they are eligible for subsidies or tax credits to reduce the cost of their health insurance premiums through the marketplace.
• Comparing and Selecting Plans: With access to multiple insurance providers and their plans, Orton insurance can compare different policies to find the ones that best match the family's needs and preferences. They consider factors like coverage levels, provider networks, deductibles, and copayments to help families make informed decisions.
• Assisting with Enrollment: Orton Insurance can facilitate the enrollment process, ensuring that families provide accurate information and submit all necessary documents to enroll in the chosen healthcare plan. This assistance helps avoid delays or issues during the enrollment period.
• Providing Ongoing Support: Orton Insurance offers continuous support to families throughout the policy term. They can help with any changes or updates needed, such as adding or removing family members from the plan or updating personal information.
• Explaining Policy Details: Insurance policies can be complex and may contain unfamiliar terminology. Orton Insurance helps families understand the terms and conditions of their healthcare coverage, including what is covered, what may require additional costs, and any limitations.
• Claims Assistance: In case of medical treatment or services, Orton Insurance can assist families in navigating the claims process. They help with the necessary paperwork, ensuring that claims are filed correctly and promptly.
• Renewal and Review: Before policy renewal, Orton Insurance can review the family's current healthcare coverage and explore whether there are more suitable plans available. They can help the family make informed decisions about renewing or switching plans.

Overall, Orton Insurance serves as advocates for families seeking healthcare coverage, providing expert guidance, and ensuring they have the necessary protection for their health and well-being. Families can benefit from the personalized support and expertise of insurance agents to make informed decisions about their healthcare options.

There is no cost paid by the family to attain services through Orton Insurance. They receive compensation in the form of a commission for each person they assist from whichever insurance company the policy turns out to be from.

Citizens of the United States and legal residents may apply for health coverage. One of the largest determining factors of best options for coverage and cost are connected to the income and number of dependents claimed on the family taxes. Orton Insurance will review eligible plans with families to have the most beneficial program that fits the budget available.

Eligibility for regular health plans comes annually for during the open enrollment period which is October 15th through December 15h (in Idaho). Otherwise, families must experience an event to acquire new coverage at any other time of year such as a birth or loss of other qualifying coverage.

Yes, Orton Insurance provides other products used to secure a family’s financial future. Life insurance to protect the family from the loss of the main breadwinner’s or breadwinners’ income due to death. Disability insurance to allow a family to keep living if the income earner(s) become to sick or hurt to work for an extended period of time. Dental insurance to keep surprise dental bills from breaking the bank and allowing for consistent cleaning and maintenance to keep teeth and money.