About Us
By offering world class protection, All in One Insurance Group is your one stop shop for Auto, Home, Business, Life, Travel Insurance. We provide expertise in helping you obtain the best value and coverage for your insurance dollar. We want to make sure that you are covered today as well as in the future so that you can focus on what is important to you and your family. At All in One Insurance Group, our #1 goal is to assist you in identifying your needs and problems, while putting together a customized plan that's simple and easy to understand.
The products and services we offer
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"Personable, helpful, and actually cares about people not just their money. Would highly recommend!!"
Products & Services
All in One Insurance Group is a Local Independent Insurance Agency - LIIA. We serve primarily Washington State, and Florida. We do not represent ju...
Flooding in your home doesn't have to be catastrophic to cause serious damage. Many homeowner policies don't automatically include flood insurance....
Your condo might mean partial ownership, but you still need full coverage. All in One Insurance Group offers condo insurance policies to customers ...
Recommendations Given (7)
"I have found Shawn to be knowledgeable, competent and capable. He handled a major issue for my..."
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"I have found Shawn to be knowledgeable, competent and capable. He handled a major issue for my parents once they passed. My experience with the Law Office of A Shawn Hicks has been excellent, and he is my first choice for a client referral."
"Reading gives immense satisfaction to a person."
Recent Activity
A HMO (or “health maintenance organization”) requires you to select a primary care physician (PCP) who acts as "gatekeeper." Think of your PCP as your personal health-quarterback, strategically coordinating all of your care and providing for your basic healthcare needs. If you ever need to see a...
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A HMO (or “health maintenance organization”) requires you to select a primary care physician (PCP) who acts as "gatekeeper." Think of your PCP as your personal health-quarterback, strategically coordinating all of your care and providing for your basic healthcare needs. If you ever need to see a specialist or require a diagnostic service (such as a blood test), you will need a referral from your PCP. Your referral will always be to a provider within your HMO network. If you choose to see a doctor outside of the network or without a referral, you will generally have to pay all costs out-of-pocket unless it is a true medical emergency or you have no other options. With an HMO, your physician network is local.
A PPO (or “preferred provider organization”) is a health plan with a “preferred” network of providers in your area. You do not need to select a primary care physician and you do not need referrals to see a specialist. If you see a “preferred” (or “in-network”) provider, you will only be responsible for paying a portion of the bill (according to your plan's coverage structure). If you choose to see a doctor who is outside the preferred network, you will generally have to pay a larger portion of the bill than you would for an “in-network” provider, but most plans will still cover a portion of the bill. With a PPO, you will have access to out-of-state providers that are considered in-network.
An EPO (or “exclusive provider network”) is a bit like a hybrid of an HMO and a PPO. EPOs generally offer a little more flexibility than an HMO and are generally a bit less pricey than a PPO. Like a PPO, you do not need a referral to get care from a specialist. But like an HMO, you are responsible for paying out-of-pocket if you seek care from a doctor outside your plan's network. An EPO is a good option if you want to see specialists without a PCP referral within your network.
A POS (or "point of service”) plan is also a hybrid of an HMO and PPO plan. Like an HMO, you will need a referral from your PCP in order to see a specialist. But, like a PPO plan, you will pay less if you use doctors, hospitals, and other healthcare providers in the plan’s network, and you will have access to out-of-network providers at an increased cost.
Why is it important to know the difference will intimately come down to money. If you go to a Doctor in-network or not, get a referral or not. Bottom line, whatever insurance coverage you take, one has to know everything about the policy, otherwise it will cost you!
1) The general rule is that a material misrepresentation or omission made in an application for insurance will void the insurer's obligations under the policy. The general rule requires that the fact misstated or omitted is deemed "material" if it could reasonably be considered as affecting the...
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1) The general rule is that a material misrepresentation or omission made in an application for insurance will void the insurer's obligations under the policy. The general rule requires that the fact misstated or omitted is deemed "material" if it could reasonably be considered as affecting the insurer's decision to enter into the contract, or its evaluation of the degree or character of the risk, or its calculation of the premium to be charged. It is generally held that if the fact misrepresented or the undisclosed information is material, it does not matter whether the misrepresentation or a non-disclosure was intentional or by mistake. 2) Notify the insurance company. The insurance company will request legal documentation to change the policy.