Schwarz Insurance Blog

November 21, 2019 @ 12:00am

Jackie Smith & Mary Aeschlimann achieve nation-wide recognition for helping consumers with qualified health coverage

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Agents Jackie Smith & Mary Aeschlimann have been recognized for their hard work and expertise in helping consumers enroll in and manage qualified health coverage through the Health Insurance Marketplace.

This achievement from the Centers for Medicare & Medicaid Services (CMS) as a member of the 2020 Marketplace Circle of Champions highlights Mary & Jackie's success in actively enrolling 20 or more consumers during this Open Enrollment Period.

“Agents and brokers play a vital role in helping consumers access qualified health coverage and navigate their new health insurance plans throughout the year,” said Randy Pate, Director of the Center for Consumer Information & Insurance Oversight within CMS, which oversees the Marketplace. “We thank Mary & Jackie for their dedication to providing exceptional service in helping Americans get coverage.”

The Marketplace Circle of Champions program recognizes the hard work, expertise, and service of Marketplace-registered agents and brokers. Agents and brokers who assist 20 or more consumers qualify for the Marketplace Circle of Champions.

Eligible consumers can enroll in Marketplace coverage during this year’s Open Enrollment Period, which runs November 1 – December 15, 2019. Consumers with questions about their coverage or who would like help enrolling, can make an appointment with Mary or Jackie by calling Stacy at 608-644-8592.

December 14, 2018 @ 12:00am

Schwarz Becomes President and CEO of Nearly Century-Old Local Business

Kathryn Schwarz, Kathy Schwarz, President & CEO, Schwarz InsuranceAn active employee since 1987 and a co-owner of the company since 1993, Kathy Schwarz has been named by the Schwarz Insurance Board of Directors as the President and CEO of the organization. As an owner she will lead the 95-year-old company along with business partner Seeman Holtz Property & Casualty, Inc.. Partnering with agencies across the country, Seeman Holtz is one of the fastest growing agencies in the nation with an expanding presence in the Midwest. Schwarz clients will experience additional opportunities and increased market share in Wisconsin. Schwarz feels the core philosophies and unmatched client appreciation Seeman Holtz has, will enhance the Schwarz Insurance client experience.

Based in Prairie du Sac, Schwarz Insurance is a full-service independent insurance agency administering more than $100 million in premiums for business, home, auto, health, life, employee benefits and agribusiness. The agency is also a recognized leader in ACA compliance and education.

“I am so grateful that Kathy will be taking over leadership of the company,” shares retired second-generation owner and Kathy’s uncle, Bob Schwarz. “Kathy grew up in the business. She knows the insurance industry from the inside out and is a great salesperson because she truly cares about people and their success. I have absolute confidence in her!”

Like her grandfather, father and uncle before her, Schwarz considers everyone who works

November 09, 2017 @ 12:00am

Are you an Uber or a Lyft driver? Have you thought about what your insurance covers and what the Uber or Lyft insurance covers? This video highlights a major flaw in the program insurance and an exclusion on your own that may not cover you if you are on the clock. Thanks Integrity Insurance for putting together this great video.

Ridesharing Gap Coverage from Integrity Insurance from Integrity Mutual on Vimeo.

November 03, 2016 @ 12:00am

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Open Enrollment is only a few weeks away -- signup begins November 1, 2016. Before you register, it's important to understand exactly what you're signing up for. Explore the following glossary containing terms to help you make decision regarding your insurance coverage.

Actuarial Value: The percentage of total average costs for covered benefits that a plan will cover. For example, if a plan has an actuarial value of 70%, on average, you would be responsible for 30% of the costs of all covered benefits.

Allowed Amount: Maximum amount insurance will pay on a specific health care service. If your provider charges more than this amount, you might have to pay the difference.

Claim: A request for payment that you or your health care provider submits to your health insurer when you get items or services you think are covered.

Coinsurance: Your cost for a covered health care service, calculated as a percentage of the allowed amount. You pay this fee along with any deductible.

Copayment: A fixed amount of money you pay for a covered health care service. The amount can vary depending on the insurance coverage you have.

Deductible: The amount you owe before your insurance plan begins to cover health care services. The deductible may not apply to all services (for example, many insurance plans completely cover a yearly physical).

Dependent: An individual for whom a parent, relative or other person may claim a personal exe

August 08, 2016 @ 12:00am

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Like most parents you eagerly awaited the arrival of your child. Preparing the nursery, buying mounds of clothes, a stroller, car seat and the list could go on forever. Fast forward 18 very short years later and you are anxiously, or not so anxiously, awaiting the departure of that same baby. With this new milestone in your life your insurance needs are changing as well.

If your new college student lives in a dorm, their things will be covered to some extent through your homeowners policy. As with most things there are exceptions: if your child will be taking expensive electronics or furniture to school, you may want to speak with your agent about additional coverage. On the flip side, if your child will be living off campus, it is probably best that they get a renters insurance policy. A renter's policy is very affordable, as little as $15 per month in some cases, and will cover all of your student's possessions.

If your child decides to take a vehicle to school, they will still be covered under your auto policy. If they choose to forego a vehicle, be sure to let your agent know. There is a possibility this could save you several dollars on your auto premium.

Health insurance coverage options are a bit different. Your child is covered under your insurance policy until they are 26. There are a few things to consider, even though they can stay on your plan. Are they going to school in state? Will they live within your network of providers? If

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