Domingo & Associates offers all types of insurance.
Read below to learn more, or contact us for a free quote.
The Health Insurance Marketplace (“Marketplace”) is a federally operated insurance marketplace (or exchange) where individuals and small businesses shop for and compare health coverage. Any individual or family may buy coverage in the Marketplace. For those who do not want to purchase in the Marketplace, coverage will continue to be sold outside of the Marketplace during open enrollment. Plans sold outside of the Marketplace may be purchased through a licensed agent or directly from a health carrier. However, the advanced premium tax credit (“APTC”) and cost-sharing reduction (“CSR”) benefit are only available to those who qualify and purchase a health plan in the Marketplace. Because purchasing health insurance is one of the most important decisions you will ever make, determining which plan is best for you and your family requires a sound, independent assessment from a qualified professional. To decide which plan is best for you, it is important to consider whether you qualify for lower premiums, lower out-of-pocket costs, etc. Our office is here to help you through this process.
When people think of life insurance they typically think of term insurance: Paying a fixed premium on a monthly basis for a guarantee* from an insurance company to pay a fixed amount of money to one’s beneficiaries. While everyone should have life insurance, the industry has evolved and created cutting-edge and versatile products that not only provide a death benefit, but also accumulate cash value. Examples include whole life insurance, universal life insurance, and variable life insurance. Each type has its own unique characteristics and traits, but the goal for each is to provide your loved ones with a sense of financial security should you die prematurely and also accumulate as much cash value as possible for you to tap into on an income-tax-free basis. More and more people are buying cash value life insurance because of the tax efficiency it offers.*Guarantees are based solely on the financial strength and claim-paying ability of the issuing company and compliance with product requirements.
Disability is an illness or injury, either physical or mental, which prevents you from performing your regular and customary work. Disability also includes elective surgery, pregnancy, childbirth, or other related medical conditions. Although work-related disabilities are covered by workers’ compensation laws, Disability Insurance (“DI”) benefits may also be paid for work-related illness or injuries under certain circumstances prescribed by law. Because your most valuable asset is your ability to make a living and generate income, it may be important to insure your ability to receive income if you become disabled.
Long-term care (“LTC”) is the assistance needed when one either requires help performing an activity of daily living (e.g., bathing, dressing, eating, etc.) or has a severe cognitive impairment such as Alzheimer’s disease. Because Medicare does not pay for long-term care services, such as assisted living, and only pays for the first one hundred days of skilled care (i.e., physical therapy or nursing), it may be important to consider purchasing a LTC insurance policy. With the creation of new hybrid insurance products, something that was once viewed as too expensive may now actually be a very practical purchase for you. We can guide you through that decision-making process in determining what exactly is best for your individual case.
Medical Malpractice Insurance & Professional Liability Coverage for Physicians in New Orleans & Throughout Louisiana LP3 and Louisiana Premier Insurance Agency were created to provide a sound alternative for professional liability and medical malpractice coverage. We offer our program exclusively to a select group of the best physicians licensed and practicing in Louisiana. Our founders are dedicated and highly experienced professionals in the medical, legal, accounting and insurance industries.We wholeheartedly believe it is our responsibility to:Offer an insurance choice which helps protect the livelihood of select physicians who have dedicated their lives to healthcare.Assist Physicians in managing risk without compromising patient care.Be advocates for systematic improvements in the professional liability processAt Louisiana Premier Insurance Agency, we want to work together on issues critical to both of us, including insurance matters, litigation management, public relations and legislature.Financial strength = Financial securityThe Louisiana Premier Physicians Program is underwritten by one of the nation’s leading property and casualty insurers, which is part of one of the strongest and most stable insurance and financial services organizations in the world.
Click the image above to read more about Medical Malpractice with Louisiana Premier Physicians Services, LLC.