Insurance – Just In Case

Insurance_Just In CaseWhat would you say if ask, “Are you going to get sick day after tomorrow”? Most of us would laugh it off and say no, I hope not, how do I know, or something similar. We do not know. That is why we need medical insurance.

Look up the word insurance. Never mind, we saved you the trouble:

  1.  Promise of reimbursement in the case of loss; paid to people or companies so concerned about hazards that they have made prepayments to an insurance company.
  2.  Protection against future loss.

Insurance is a way of managing risk. When you buy insurance you are covering yourself, “just in case”.  You transfer the cost of a potential doctor or hospital bills to the insurance company in exchange for a fee, or premium.  Insurance companies invest the money in a secure way so it grows and is available to pay out the people or companies who have purchased insurance from them.

It is a fact of life. Most of us will become sick at some point in our lives. We do not want too nor do we plan too. However, we need to plan how we will pay for the expense that is incurred when we are sick. It will not take much trouble for you do little research to find out the cost of just a short illness. In fact, all you have to do is ask a friend or family member who has recently had to make a trip to the doctor. Just one trip could cost you more than a month’s insurance premium. We are talking a simple, one trip, illness here. If you really become ill, say with a serious illness the cost could sky rocket. And we do not even want to think about the cost of a hospital stay.

Let’s talk about something a little less depressing. The good news is there is insurance you can afford that will help cover the cost of being sick. If you never have to use the insurance you are truly blessed. We want you to see the importance of having the insurance “just in case”. More good news, you do not have to make the decision of what insurance company to use by yourself. There is help for you. SMA Services, Inc. is just the place you need to go for help with your insurance needs. We are able to fit you with just the plan and coverage you need for you and your family. SMA Services, Inc. will help you decide what coverage you need and what company will give you the best coverage for your money. Get your insurance today, just in case. Remember the cost of insurance may seem costly to you but it is not near the cost of medical care.

SMA Services, Inc. representatives are able to help you with insurances needs for yourself, your family, or for your company.

Our Customer Service Representatives can help you. Do not wait any longer. Give us a call. 1-800-423-4332

Do you need Health ‌Insurance ‌Quotes?

DoYouNeedHealthInsuranceQoutes-01Do you need Health ‌Insurance ‌Quotes?
Let’s face it; almost everyone agrees that they need health insurance. But finding the right insurance for your needs can be so confusing. We all need health insurance no matter our age. You may be enjoying good health at the moment but that does not mean you will continue to do so. We all know life has a way of changing in an instance. So does our health.

Many parents have insurance on their children but decide they cannot afford to have insurance on themselves. Think about this for a minute. How will it affect the children if the parent gets sick or has an accident? You will either not get treated or end up with a huge medical bill that has to be paid totally out of pocket. Either of these could create a bad situation for your family.

Most everyone needs help deciding what insurance is best for them. You may not even know what coverage is out there for us. With the cost of healthcare being sky high these days going without health insurance should not be an option. SMA Services, Inc. has the ability to find health insurance quotes for you. They will work to find you the best possible rates and coverage. Let them help you so you can have peace of mind in case of unexpected health issues.

Does Your Employer Offer Health Insurance Benefits?
If you don’t have health benefits or disability insurance through your employer, you still have options. One is you can refer your boss to our services so he/she can get health insurance quotes and find the best rates on group health for his/her employees. Or, you can fill out our quick health insurance quote form to see your options for individual insurance from licensed agents.

Health Insurance While Being Young and Healthy
Your health or age does not change the fact that we all need insurance. If you have an accident or an unexpected illness, the bills can pile up so quickly. Having insurance is the only way to protect yourself and your loved ones from these potentially devastating costs.

Buying Health Insurance Made Easy
Health insurance is not a luxury. Quotes can vary greatly depending on what type of coverage you are looking for and which company is giving you the quote. Many people are now turning to online health insurance quotes. SMA Services wants to help you get the very best coverage you can fine for what your budget will allow.

SMA Services, Inc. knows that everyone has different needs…We would like to work with you and help you decide what coverage you need for you and your family… We have a Customer Services Representative waiting to help you.

Call Customer Services – 1-800-423-4992 ext 150
ask for Wendy —

Insurance, You Can’t Live Without It

Insurance-01Have any on you ever heard the saying, “Men, you can’t live with them, you can’t live without them”? Sounds a little like insurance too. Insurance can be so costly you think you just can’t live with it but you know you sure can’t live without it either. Just one small accident could wipe out your savings. If you even have a savings to wipe out. Good news, SMA Services, Inc. can help you out.

You can spend time calling different agencies to discuss your car insurance. You may talk to four or five different people and get four or five different quotes. You may get four or five different opinions on what you need to purchase. But remember, you can’t live without car insurance; it’s the law. SMA Services, Inc. can help you find a policy you can live with.

The same goes with life insurance. You can spend your precious time calling, talking, asking questions and still not know what you should do about purchasing the right life insurance policy. Don’t you think it would be better to have SMA Services, Inc. do the searching for you? The law does not state you have to have life insurance but it is important?

While SMA Services, Inc. is helping you search for the best car insurance and life insurance why not let them help you choose a health insurance policy too. These days there is so much you need to check before you choose a health insurance policy. If you start reading about health insurance you soon learn there are so many alternatives. The problem is which one is the best one for you. The one that seems to be the best buy may not be. It is not that you are not intelligent enough to do your own research for health insurance. The fact is that it is just so time consuming and that it can be confusing. SMA Services, Inc. has Customer Service Representatives who research policies and stay up on the changes in health insurance. They are there to help you. They can save you time and money.

If you know you need insurance but dread all the leg work you must do to find the best possible policies for you just give us a call. Instead of having to call several different companies make one call to the company that can help you in researching all the insurances you need. Why spend your time calling several agencies to get information on car insurance, several more for information about health insurance, and even more agencies to enquire about life insurance why not let us do it all.

By the way, insurance is not the only thing we can help you with. So often we put of planning for our future. We just don’t know how we can save money when it seems we do not even have enough money to live on. Let us take a look at what you are dealing with and show you how you can start building for your future now.

Give us a call: SMA Services, Inc. 1-800-423-4992.



Ihateopenenrollment-01“I HATE OPEN ENROLLMENT TIME”
It’s that time of the year again. “OPEN ENROLLMENT” in insurances from personal, to work related, to Medicare, etc… Brochures pour into the mail and your employer is handing you the pamphlets by the dozens. Do you need group life insurance which is typically offered as a benefit through your employer or membership in an association?

Group life insurance is just one that can fill some of your life insurance needs, but probably doesn’t meet them all. Most times it is an inexpensive way to supplement an individual life insurance program. But holy pumpkins there are 6-10 different major plans with 10-15 supplemental coverage’s within the major plan. Many times it is relatively inexpensive at younger ages, but rates increase with age. Just ask me.

Take for example:

Guaranteed coverage
Under group life insurance programs a certain amount of coverage is often “guaranteed” – that means you won’t have to answer questions about your health or take a medical exam to qualify for the coverage. If the amount of coverage you’re requesting requires a medical exam, it’s typically a much simpler process than the full physical required for an individual insurance policy. And normally they send a nurse to you at home or even at your workplace.

Premium rates
Now you stop being an individual measured by your lifestyle habits and health factors, but are group together with others and rates are based on the risk of the group as a whole. Administration and billing systems designed for groups

The insurance company issues a life insurance policy to the employer or association – individuals insured under the policy typically receive certificates of insurance, which outline their rights under the policy. Here’s where we get to pick and choose which company we want or should I say afford nowadays. Oh yea, you only have 45 days to pick.

Portable or convertible coverage
If you decide to leave the group for whatever reason you may be able to keep your coverage, I would consider this if I could without providing proof of good health, Yes, we now pay them directly. Premium rates will get higher than those previously paid. If I lost eligibility for coverage, I want the option to convert to an individual policy with t the current rates for that type of policy.

What about increasing coverage
Keep in mind that many group plans allow an increase in coverage following a family status change. Sometimes these increases in coverage are automatic. You need to search for specific benefits plan and the qualifying family status changes accepted. There are 5 major changes that comes to mind – marriage – divorce – births – deaths – change in employment.

SMA Services, Inc. knows that everyone has different needs so we’ve given you the flexibility to choose the right amount of protection for you and your family. Our Needs Estimator will help you calculate the amount of life insurance you may need, then calculate the amount of premium using the Premium Calculator and contact a Customer Services Representative (listed below) to apply for coverage.

Call Customer Services – 1-800-423-4992 ext 150 ask for Wendy.

Employee Spotlight – Fadwa Shunnarah

Fadwa ShunnarahIf you have ever called SMA Tours to make travel arrangements, you have probably spoken with Fadwa Shunnarah. Fadwa, who has worked in the Tours department since 1987, is extremely knowledgeable when it comes to international travel and books airfare, hotels, and rental cars for trips abroad. In addition, she also arranges cruise travel and group travel escort groups. “I have worked with physicians for 25 years and try my best to provide prompt and friendly service,” Fadwa said. “I truly enjoy helping everyone and they have made me feel like part of the family.”

Although her job sometimes requires her to be available “24/7”, Fadwa doesn’t mind at all. “Sometimes travelers experience an emergency such as cancelled or delayed flight,” she said, “And I am here to help them in any way I can.”

Fadwa is very active in her church and in her spare time, she enjoys traveling, spending time with her family, and cooking Middle Eastern cuisine. Her favorite dish? “There are so many delicious things but Stuffed squash is top of the list.


Employee Spotlight – Terri Carroll

Terri Carroll

Terri joined the SMA Services group in 2006, as the IRA Administrator.  Several years later, she moved to operations, taking her IRA responsibilities with her. Terri is responsible for calculating the Required Minimum Distributions for each IRA participant, as well as contributions, other distributions, fee statements, and tax forms. She also handles the administration of Health Savings Accounts.

Terri and her husband have been married for 28 years and have two children.  Her daughter is a Registered Nurse at Children’s Hospital in Birmingham and is married to a professional drummer. Terri’s son has been active duty Navy for eight years. As a retired Navy spouse and mother of an active duty sailor, Terri knows the sacrifices made by our military and is proud of every man and woman who serves our country so that we may enjoy our freedom.

Employee Spotlight – JoAnn Owens

Employee Spotlight - JoAnn Owens

SMA Services, Inc. would like to introduce to you JoAnn Owens

JoAnn began her employment with Southern Medical Association in January 1989 as an Insurance Customer Service Representative. While in this capacity, she obtained and maintains state Life and Disability Licenses. In January 1994, JoAnn then transferred to the retirement department and has grown to be a valuable senior member of the team.

JoAnn is responsible for various Third Party Administrative duties: understanding plan documents and Adoption Agreements; determining annual contributions, required distributions, eligibility, and enrollments for participants; issuance of periodic payments; compliance testing; and electronic filing of year-end reports for numerous plans.

JoAnn enjoys all aspects of her job, including the interaction she has with plan participants. “Working closely with SMA members, office managers, and various investment institutes is a very rewarding profession,” she said.

JoAnn and her husband reside in Mount Olive, AL. They have two children who attend the University of Alabama in Birmingham. In her free time, JoAnn enjoys outdoor activities and especially trips to the beach.


Employee Spotlight – Kay Vasser

Kay VasserSMA Services, Inc. would like to introduce to you Kay Vasser.

Having worked at Southern Medical Association for more than 27 years as a Licensed Insurance Professional, Kay is very knowledgeable about all areas of SMA Services Inc., including the large suite of group and individual products, such as short- and long-term disability, life, health, vision and dental insurance. Kay’s responsibilities include supervising the insurance department, sales, addressing customer service problems, and educating clients in order to determine the best insurance products to meet their needs. She is always ready to help when a problem arises.

Kay has worked with physicians for more than 50 years, and helping them choose the right protection and financial needs for their future is what she finds most gratifying. She has long-term relationships with a large majority of the clients she works with.

Kay and her husband of 44 years have three children, seven grandchildren and five great-grandchildren.  Kay stays very busy; she has been a member of Beta Sigma Phi sorority for 43 years and has received many honors.  In her free time, she enjoys bowling and watching football and baseball.


Employee Spotlight – Wendy Erhart

Wendy ErhartSMA Services, Inc. would like to introduce to you Wendy Erhart.

Having worked at Southern Medical Association for more than 24 years, Wendy in 2012 joined the SMAS team as a Licensed Insurance Professional. She has knowledge of our large suite of group and individual products, such as short- and long-term disability, life, health, vision, and dental insurance. Her responsibilities include providing advice and price quotes to clients in order to help them in determining the best insurance products for their needs. She assists in updating the client database with payment information and address changes. Monday through Friday, you can find Wendy at her desk eager to answer customer phone calls and emails.

She says working so closely with the members of Southern Medical Association and helping physicians choose the right products for their financial future are two of her most gratifying responsibilities.

Wendy and her husband reside in Morris, Ala., along with their son, two dogs, and cat. In her free time, Wendy enjoys photography, reading, playing bunco, and watching Auburn football – WAR EAGLE!

Your “Go To” Players

Product Knowledge & Positioning – Industry Knowledge & Market Awareness
Retirement Plans – Investment Experience – Plan Design Assistance – Wealth Management
Insurance – Group Benefits – Disability Income

Kay, and Wendy

Contact Information for your “Go To” Players:

Kay Vasser
Supervisor, Insurance Operations
800.423.4992 x102

Wendy Erhart
Agent, Insurance Dept.
800.423.4992 x150