Insurance is a highly complex financial product which is based upon a large number of factors. Even for our clients with dedicated financial departments, they very often do not have the valuable knowledge and experience of negotiating with insurance carriers that ZIS has by doing this on a daily basis. Very often our clients either are not fully aware of what their current policy does/does not provide, or the level of coverage they require. At ZIS we are independent agents, meaning we do not work for the carrier’s, we work for you – our clients. We only offer our clients the policies that will provide them the protection and peace of mind that should always come with an insurance policy. Let us work for you and click at the top of the page for a quote.

ZIS Insurance Services offers a dedicated support staff that is available to all of our customers. Often it can be a simple error by an adjuster that we can easily identify and correct. We work with you for the full duration of your insurance policy for the simple reason we want you to remain a customer.

For some individuals with special circumstances, they may not qualify with a larger, more well-known, carrier either for reasons of cost or not offering a specific product. Or a policy through a larger carrier may be impractical for a variety of reasons. At ZIS we leave no rock unturned when looking for your insurance options. And we deal exclusively with carrier’s who maintain a Better Business Bureau (BBB) of A or higher AND whose financial health has been independently audited and verified ZIS only offers policies and carriers which best suits our clients needs. Therefore it is important to note that if this carrier was proposed by one of our staff then it is for this very reason. Our staff is always available to communicate to you in greater detail any information or questions you may have. And if available we can provide you the comparative quote with a larger carrier and communicate what you lose/gain between them.

ZIS Insurance Services offers a dedicated support staff that is available to all of our customers. Often it can be a simple error by either by the insurance carrier or with the healthcare provider. Our staff can quickly identify and correct these issues on your behalf. We work with you for the full duration of your insurance policy for the simple reason we want you to remain a customer.

All beneficiaries of any health insurance group policy offered by ZIS can access our dedicated support staff who will assess your situation. Simply call 818-887-8780

You may use our online tool to find a doctor or see which doctors are covered. FIND A PROVIDER Ultimately although the answer to this specific question is impossible to give a definite answer to. Each healthcare provider specifies which insurance carrier they will accept / not accept. Knowing this fact alone is still not a reliable method. The healthcare provider can choose to accept only certain networks that the carrier offers to customers. This is where ZIS can help. We always verify whether or not your doctor accepts the policies available for you — it’s why we’re here. Call us at (818) 877-8780 to have an agent discuss with you your health options.

Possibly. Many factors must be considered, such as: Do I plan to remain at my current job? Do I feel secure in my current job? What current benefits does my employer provide, and do I feel they are sufficient? Are there certain benefits that are not provided, or limited in a way I feel leaves a gap to be filled in my coverages? Are there members of my family who are not adequately covered, or are ineligible, for my group benefits? Discuss these issues with us, at ZIS, or with your health insurance agent and he or she can make a recommendation as to the best choices to assure your medical coverages are adequate for your needs.

A deductible is the amount you must pay before the insurance company begins to pay on your bills. This is an annual amount per insured person, although typically there will be a maximum amount of deductibles you will have to pay in a given year. For example, if your “per person” deductible is $500, and you have five people in your family covered under your health insurance, the maximum “family” deductible will usually be $1,500. Once three of the people in your family have paid out a $500 deductible, no more deductibles will apply to any member of the family for the remainder of the year. This can vary, so be sure to discuss the specifics of your policy with your ZIS agent or with your insurance agent.

In a health policy, coinsurance represents the percentage of the medical bills the insured will be responsible to pay after the deductible is met. For example, if your policy is “80% coinsurance”, then once the deductible is met, the insurance will pay 80% of covered medical bills and you pay 20%. Typically there will also be a provision called a “stop-loss”, which is basically a maximum amount you will ever have to pay out of your own pocket for covered medical bills. Let’s say your policy states it is “80% coinsurance, with a $1,000 stop-loss.” Once you’ve paid your deductible, your covered medical bills are $7,000. Here’s how that would work: First, the coinsurance provides the carrier will pay 80% of the $7,000 ($5,600) and you will pay 20% ($1,400). But, your “stop-loss” says your maximum payable for this claim is $1,000! So you only pay the $1,000, and the additional $400 comes from your insurance company. Notice this provision gets more valuable as the claim gets larger—no matter how large the final claim, or what percentage of coinsurance you’ve purchased, your stop-loss says your share of the covered expenses will never exceed $1,000. Please note some polices refer to “stop-loss” as “maximum out-of-pocket”. And many polices include the amount of the deductible in determining when you hit your maximum, also a helpful provision.