Al Knight – KnightHope Insurance Services
Al Knight finds affordable Health Insurance for businesses and affordable Health Insurance for Families. He can also assist you in finding affordable Life Insurance coverage for your business or family.
He prides himself on personal service - explaining how your insurance works, understanding your personal situation, and helping you design a plan that fits.

He offers Medical and Life Insurance plans in most US States including Alaska, Arizona,  Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, and Wisconsin.

With all the health insurance options that are available today most people wonder what company or what plan is the best for them and their family.  Most people purchase Health insurance based on impulse, generally they are shopping price not value. They see a TV ad and call in, or go to a website and apply without really knowing what their getting.  How does this company rate? What are the exclusions and limitations in a policy?  What Doctors and Hospitals can I go to and how much will I really pay if an accident or catastrophic illness should occur?  That is probably the most important question. 

I have been a licensed agent for almost a decade, I have talked to thousands of people shopping for Health insurance and I have looked at many different policies.  I believe shopping for Health Insurance is like buying a new car; you get what you pay for.  You can add bells and whistles but the bottom line is how well it will perform when you need it most.  I will share with you things you should look for when shopping for health insurance.

The reality is most of us are educated by insurance companies on what to look for in health insurance coverage. We are misled into looking for features in coverage that insurance companies tell us we should look for. We go to insurance company’s websites to educate our self about insurance.  I can almost guarantee you that insurance companies are not going to tell you what you should be looking for. Most people are going to look at; Deductible, co-pays, low monthly premiums. Doctors and Hospitals should not be an issue since a good company will let you choose the network you want to participate in and a Major medical plan will cover you were ever you go.  The real reason to have health insurance is not to have a $30 or $40 co-pay to see a doctor, but to protect ourselves from large unexpected medical bills which could wipe out most people financially.  This is why it is important to choose a major medical plan that will pay everything over your co-pay and deductible without many exclusions and limitations.

If a serious accident or critical illness did happen to you or a family member and you required a specialist, wouldn’t you want to have access to the best specialists in the world instead of some local doctor? Wouldn’t you want to choose the Hospital which can offer the best care without a daily limit on what your insurance will pay?  Millions of people every year receive inadequate health care because they did not have access to the best hospitals or specialist. Our president, senators and congressman receive treatment at the best hospitals, why shouldn’t you?  The Mayo Clinic is a world class hospital known around the world as the best medical facility for major illnesses and accidents. Will your insurance company pay for treatment at the Mayo Clinic?  The bottom line is shouldn’t we be looking for the value in a plan, not just the price and or co-pay? 

The coverage that I recommend to most families is offered by a company that has been around longer than any other health insurance company in the world. They have been in business since 1892 and in early 2006 was the 26th largest company in the world. It is offered by Time Insurance and is marketed under the name of “Assurant” Health.  Assurant Health is an excellent A- rated company and offers coverage to individuals, families, and self-employed, small and large businesses.