Health insurance Salt Lake City is more than a preventative strategy for protecting your health; it also protects your finances when the unexpected happens. Healthcare costs in the United States can prove astronomical; a visit to the doctor, an emergency room visit, or a hospital stay quickly accumulates sky-high medical bills. The right insurance also offers more flexibility with access to a larger pool of qualified medical professionals with the right insurance.
They are quick to answer the phone and handle your questions. Amanda was very friendly and helpful! She wanted to get us the best resolution and rate. Appreciated her knowledge and very quick responses! They helped me figure out what I needed and explain insurance to me because it was my first time, they were so kind patient and very nice. They got me set up in no time. Definitely have my business in the future. Faron McCuistion is always a call away! She is helpful, knowledgeable, and friendly. She will be your advocate. I’ve been with Do Right (fka Garner Jensen) since 1998. Faron is awesome to work with. Not only did she look for the best rates, but she advised me on the different companies/policies which helped me make the best decision for me. This company is very flexible and they work hard to meet the needs of my employees and our company. I appreciate the time they take to make sure it gets done right. Garn and Jaris and the entire team at Do Right are always so kind and helpful to deal with. They give us the feeling that they care about our family and have our best interest in mind. We are very grateful to be able to work with them. Faron has been so helpful with helping us pick our best option for insurance. Glad I made the call when our old insurance went up significantly. Garn is the man!! always gets you the plan that works for YOU! five stars all around SERVICE HAS ALWAYS BEEN EXCELLENT WITH EVERYTHING I HAVE NEEDED. I HAVE ALWAYS BEEN COMFORTABLE KNOWING GARN & HIS TEAM KNOW THEIR BUSINESS SO THAT I DON'T HAVE TO WORRY ABOUT IT. IF I COULD RATE HIGHER THAN 5 STARS,I WOULD !! I love this company! I have been with them since they were Gardner D. Jensen and even after they changed to Do Right they have continued to be great to work with. Heather has been so helpful helping me with business insurance. They always seem to have the best rates too. I also have home and auto with them. Jerris and Heather are amazing and super responsive. I’ve never had a question or a call go longer than 24 hours without an answer. I 10/10 highly recommend. We can whole heartedly recommend Do Right ins, formerly Garn Jensen Ins. We have done business with them for almost 30 years. They will never try to get you to buy buy a policy that does not fit your needs. Being an independent agent allows them to source multiple companies to find what fits your needs and budget. Their service is as I rated it… 5 star ⭐️ . Ron Williams I’ve had auto and rental policies with Do Right for the past 4 years. They’ve consistently provided the lowest quotes with great coverage. Phone calls and emails are polite and prompt. Faron has helped me the past few occasions, and she’s provided excellent service. 10/10 recommend! Jerris and Heather are amazing to work with. I have worked with Jerris for years now doing construction type insurance, auto insurance and workers comp policies and I am never disappointed with the dedication that he and his team have to their customers. Do Right Insurance is leaps and bounds above the rest. If I could give them a 10 star rating I would. Just switched over to these guys. The transition went smooth, and our agent (mike) has been very responsive and easy to work with. I reached out to my former insurance company, and was greeted by Heather. I explained to her what I wanted and she listened and then explained that there were better options if I was interested, I listened to what she had to say. She sent me the information and I was very impressed with her and pleased with the service. Turns out she found me exactly what I was looking for, but with a way better fit for me. I am grateful she took time to find what would work for me. Thank you Heather for the time you took to help me. I will always be a customer from this point forward.Aaron Escue I reached out to my former insurance company, and was greeted by Heather. I explained to her what I wanted and she listened and then explained that there were better options if I was interested, I listened to what she had to say. She sent me the information and I was very impressed with her and pleased with the service. Turns out she found me exactly what I was looking for, but with a way better fit for me. I am grateful she took time to find what would work for me. Thank you Heather for the time you took to help me. I will always be a customer from this point forward.Aaron Escue The agent was very knowledgeable and helpful. The process was very quick and easy! Called to get clarification of cover. Staff was very helpful in reviewing our coverage and offered suggestions of reviewing different coverage with other companies. At this time we will stay with current company. Have dealt with this agency for several years and am pleased with agency. For years they have always been very informative, efficient and attentive to my needs both in my personal and business coverages. Amazing customer service they have been great to work with and we have been with them for years! Always first-class service. I am so glad I learned about this company! They make my life easier by finding the best insurance quotes for me and doing all the legwork. I've always been satisfied. Been with them for 10 years and have had no issues. Always very helpful when I need to make changes. I got a quick response when requesting a quote. they were able to find me a good rate with a trusted company. We are very please with our relationship with Garner D Jensen Insurance Group. They have met our every need and the employees really go the extra mile to please us. Been with Garner Jensen for my insurance since 2000. They have always taken great care of me and been responsive to all my needs. Especially as my property ownership and family continued to grow and expand. Highly recommend. I’ve been with Garn and team for 17 years now. They have always done right by me and made not only the savings amazing, but the experience has always been effortless and worry-free. Highly recommend. Will Babcock helped switching over my insurance super simple and quick. Not only did he help me save money but most importantly made me feel like he was looking out for my best interest. I know I’m in great hands with him as my agent! Reille has been amazing to work with and remembered me specifically even though I haven’t called them in over a year. She actually reached out to me about getting much lower rates. I couldn’t be happier with the company Over the years this business has taken care of my insurance needs. They've been great.I've been with them for years and generally things work as planned. Most of my experience is with Faron, and Heather; outstanding Representatives of the agency. Great experience throughout. They answered all of my questions and helped me get set up quickly. Highly recommend! Quick and timely response to needs and questions. Good knowledge of the markets they cover Great customer service! Faron who was helping me over the phone was super helpful and professional. I would definitely recommend Do Right Insurance Group. What I liked most about them is that they are laid back and do not pressure you into anything. They truly want to help you get the best price. I saved $50.00 on my home and auto. I would definitely recommend Do Right Insurance Group. What I liked most about them is that they are laid back and do not pressure you into anything. They truly want to help you get the best price. I saved $50.00 on my home and auto. Always quick to respond and exceptional customer service! I have been speaking to Reille Fisher over the past couple of years and she is awesome!! They are very helpful, knowledgeable, and respectful. They helped me get the insurance plan I wanted for a great price. I switched over from GEICO after some 10+ years with them.Insurity offered more coverage for less money. I was a little hesitant about swapping over after I had heard various other stories of people getting dropped, but after speaking with the company meeting an agent I was reassured that everything was on the up and up.I was in one accident in which they were more than helpful everything went perfectly smooth.It's been so good I moved my house insurance to them too!!! All the staff are highly knowledgeable and professional when helping you find the best value and reliable insurance. Being and independent service I have them cover my business, home and auto insurance. Some years it is bundled for the vest value. If I ask them to search for a new plan they are always happy to look for me. Garn Jensen has covered my insurance for me since 1990. I highly recommend their services. I needed information about an insurance policy, and when I called the office, I was treated very well. I asked the question I needed answered, and I was provided with the answer I then was able to make the necessary payment. This relieved me of the stress and insured that everything was in order. I truly appreciated the ladies who assisted me. Josh is a great agent. I have used him for over 10 years and have had to add and remove insurance many times. Very simple process of just emailing him the information and he gets me a quote. Very responsive and personal service that is unique in today's world. Easy to work with & very personable! Definitely would recommend. Found the Price that worked best for me in less than a day! After, having multiple Insurance guys, these guys are my number 1 choice!Above and beyond service. Helping find the best coverage, walking me though a claim, and making sure I felt taken care of and Always! returns calls. I HIGHLY Recommend these guys for any type of insurance. Josh has been amazing to work with. I’ve always had my insurance through him. My parents were insured through Josh’s Dad Garn. I started at 16 on an auto policy and a couple of decades later I’m still with the same agent. I even spent 13 years working for Farmers Insurance and I never switched. I like that Josh is a broker so he can shop policies, he’s super responsive, and is willing to spend time to give me insurance advice when I need it. Unless something insane changes I’ll be with Josh for life. Jerris is the best insurance agent I have ever worked with. I would recommend him and Do Right Insurance Group to anyone! Will and his team really do all they can to work with you. Communication is great! Definitely the go to for all your payroll needs This team is amazing. Communication, service, and cost is right in line with what I need. Can't go wrong with this team. Always quick to respond and exceptional customer service! I have been speaking to Reille Fisher over the past six months or so and she is awesome!! This is my first time to work with Faron at Insurity, but I was very impressed already. She is very professional, responsive and trying very hard to find me the best deal for my auto insurance. Our communication is direct, efficient and clear with details on a PDF sent frequently by Faron. She is the best! WE HAVE NEVER HAD ANY PROBLEMS GETTING CLAIMS COVERED AND THEY ARE ALWAYS PROFESSIONAL AND RESPONSIVE. I have been working with Josh for 11 years. He is amazing! Anything I need done, he takes care of it. He also gives me many option to ensure I get the best possible insurance for my home, cars and motorcycle for the best price.I highly recommend Do Right Insurance Group Whenever I have needed them, they step up and take great care of me. I admire the customer service they offer. Farron is amazing! Her energy is so supporting and positive! It feels more like a family friend any time I ask for help! She has my back! ❤️❤️ Thanks Farron. You rock! Eric was patient and very helpful. He made the process very easy. I will highly recommend him to all my friends and family. Definitely recommend! We have used Insurity for our homeowners, auto, and earthquake insurance. They are great to work with, responsive, professional, and overall great! Been working with Jerris for several years now. He’s always helped me get the best rate possible. Highly recommend. I needed a policy on a rental unit my wife and I purchased. Insurity came back with a reasonable and affordable quote in just a few hours. Very professional and easy to work with. I am super busy and always on the run. This company has been so amazing and easy to work with. I can send a quick email with what I need and it's done the same day. They are very easy going and made me feel like I was talking to a friend. Would reccomend them again and again. Great people, always willing to help, and I feel like they know me personally and treat me as such. Highly recommend As a mortgage broker I work with insurance agents nearly everyday and Josh is the best of the best in the industry. His responsiveness and care for his clients make him a stand out in the industry. Josh is competitively priced and gives exceptional service and I often recommend him to my clients who are shopping for insurance. Customer service are excellent and really listen to your concern, definitely recommend to anyone who’s looking for a home insurance. I’m sad to leave, but I’m grateful for all your service. I've communicated with Jerris for the better part of a decade. He provides top-notch quality and service every time I ask him a question. I still hope that I never actually need to use my insurance, but it's comforting to know I've got them advocating for me if I do need it. Would recommend! Love this insurance group. Garner has always been responsive and the entire team looks for their client's best interest and needs. Highly recommend! Great company. Has stood by through the years always giving time and a personal touch to every business interaction. Has always found me the cheapest rates. Thank you! I’ve been with the Do Right Insurance Group for 24 year (since they were Garner Jensen Insurance Group). They always had the best rates and great service. I’ve had a couple of car claims during that time and they e been easy and great to work with. I have been with Garner Jensen, 25-30 years, I usually only deal with Garner, he will investigate, himself any issues, I have, quick to answer my questions, and provide any documentation! When Garner, is unavailable, his staff, is organized, knowledgeable, and always helpful! Always, looking for me, the best coverage, with my interests in mind!! I feel safe and sound, insured, through, Garner Jensen, Insurity Group!! Thank you... I've been a customer for over 30 years & there the best! No better rates out there & great to work with. Would never go with anyone else...Garner & his team are awesome to work with! Its nice to at least be treated like a human being, while spending my hard earned $ on something i hope to never use! I consider these humans friends. They know my name and even pronounce it correctly. They also, have always found me the best pricing (which is the main reason ive been with them for so long). I am happy to leave a positive review for them. They all deserve it! I've had my insurance with the Do Right Insurance Group for 5 years now and have never had any issues or complaints. Every time I've called, someone has always answered and address my questions. They are easy to work with and I know they can provide some of the best rates around. Great group to work with! Doubled my coverage for a better rate as well. Took time to explain coverage! Highly recommend! Josh Jensen at Insurity is great to work with. He responds and gets answers. Seems like a low bar...but most insurance guys can't manage that. He's awesome, and his office staff is equally good to work with. I highly recommend Josh and Insurity. They do all my personal, property, and commercial insurance. Very nice people to work with. I recommend to friends and family. I connected with the Do Right Insurance Group to get a quote on Home Insurance. They were able to save me hundreds of dollars, so we also looked at our auto insurance....and saved me money there too. Great company to work with. They are professional and very helpful. It was easy to find the help I needed, and gave great prices. Good service, easy to get a hold of, and very helpful. Always a pleasant experience. Always fast and friendly! Life long client right here Great Insurance Group. The customer service is the best. Thanks for all your help. Best Independent Insurance agency that I've ever worked with! I had been calling to get insurance for my cabin for a little while and I was not getting calls back for my quote. Do Right Insurance group got back to me right away and it was a great quote. Thank you for your responsiveness. Dillon was able to help me get a lower/better quote and made the process so simple! Thank you Very helpful for my first time figuring out car insurance! Personable, professional, and trying to help me. Great Service. I stand corrected. They're always extremely prompt when I need certificate of insurance for my business and they were able to lower my rates significantly for bother personal and business insurance. Five stars!! Today I called with some complicated questions and my agent wasn't available. Without hesitation, Riley took ownership of my questions and provided me the answers I needed to make an informed decision. Thank you Riley! You represent Garner Jensen and Bear River very well! 10/10 would reccomend Tracie was awesome to work with. She got us a quote super quickly and found a plan that is saving us 1000 dollars a year. Thank you Tracie! Glad we found a honest company to work with. My wife and I have been working with Josh for roughly 2 years now for home and auto insurance and he’s been the BEST. So easy and quick to work with. Highly recommended. These guys are great. Been doing business with Garner for nearly 40 years. All of my personal and business insurance is placed with them. From autos, homeowners, liability policy's, workman's comp, business insurance etc. Very competitive with price, and very responsive when I've ever had a claim. Would highly recommend!
Figuring out which healthcare plan to choose isn’t always straight-forward, especially with so many options on the market. Here’s a look at what to expect from health insurance Salt Lake City and how the team at Do Right Insurance can help.
What Types of Health Insurance Plans Are Available?
Understanding the different types of health insurance plans and how they can help is key to making an informed decision about your healthcare. Here are the most common policies and coverages you’ll see on the market.
Health Maintenance Organization (HMO)
HMO plans usually require you to choose a primary care physician (PCP) and get referrals to see specialists. They often have lower out-of-pocket costs but limit your choice of healthcare providers. HMOs operate within a more rigid network of healthcare providers, including primary care physicians (PCPs) and specialists.
Except for covered emergencies, HMOs do not cover services provided by out-of-network providers. Seeking care outside the network may result in higher out-of-pocket costs or no coverage at all.
Preferred Provider Organization (PPO)
PPO plans offer more flexibility in choosing an individual healthcare provider. You can see specialists without a referral, but your costs may prove lower if you stick to an in-network provider. Unlike HMOs, PPOs usually don’t require referrals to see specialists. You have the freedom to schedule appointments with specialists without going through a primary care physician. However, EPO plans combine some aspects of both HMO and PPO plans. For example, they typically don’t require referrals but often limit coverage to in-network providers, except in emergencies.
While you can seek the care you need from out-of-network providers with a PPO, your out-of-pocket costs are generally lower when using in-network providers. However, PPOs may still provide partial coverage for out-of-network services.
What Is Catastrophic Health Insurance?
Catastrophic insurance plans are designed for young, healthy individuals who want to protect themselves against major medical expenses and emergencies but are willing to pay out-of-pocket for routine care. These plans come with low premiums and high-deductibles and typically cover only essential health benefits after the high-deductible is met.
What Are Premiums, Deductibles, and Copayments?
If you’re new to navigating health insurance Salt Lake City, here are some common terms to know.
Premiums: Your health insurance premium is the amount you’ll pay for your insurance every month. When you choose a plan with a higher premium, you’ll usually pay a lower out-of-pocket cost for medical services.
Deductibles: The deductible is the amount you’ll pay out-of-pocket before your insurance kicks in and takes care of the rest. Plans with higher deductibles usually have lower monthly premiums.
Copayments: Copays are the pre-determined, fixed amounts you pay for specific services, such as a doctor’s visit or prescription. Understanding copayments helps you anticipate your overall out-of-pocket expenses.
What About an HSAA?
An HSA (health savings account) is a tax-advantaged savings account that you can use to pay for qualified medical expenses. There are some eligibility requirements for an HSA, including enrollment in a High-Deductible Health Plan (HDHP). Contributions to an HSA are also tax-deductible, and withdrawals for qualified medical expenses are tax-free. The funds in an HSA also roll over from year to year, and the account is portable, meaning you can keep it even if you change employers or health plans.
What Is a Flexible Spending Account (FSA)?
An FSA is another tax-advantaged account that allows employees to set aside pre-tax dollars to take care of eligible healthcare expenses. There are some differences with HSAs. For example, FSAs are not tied to any specific type of health insurance plan. The funds in an FSA must also be used within the plan year or a given grace period. It’s usually considered a “use it or lose it” provision. If you don’t use up the remaining funds at the end of the year, they’re usually forfeited.
Safeguard Your Property with Do Right Insurance
Do Right Insurance believes every business should have access to quality health insurance Salt Lake City, regardless of their budget. The team at Do Right Insurance helps you find policies from various providers that align with your unique needs. Sometimes bundled approaches work best for you and your family, but we also look at various policies to build out the coverage you need at the best possible price. Contact us today for a no-obligation quote on your health insurance Salt Lake City or any other policies you’re looking for.