Frequently Asked Questions

Got a question? See if you can find the answer in our most frequently asked questions. You may also e-mail your questions and/or requests to info@dovbenko.com or call us on 1-773-627-8892.


Auto insurance

  • Why do I need auto insurance?
    It is mandated by law in the State of Illinois to have Auto insurance. You must have at least minimum required liability limits. Insurhaus professionals can help you define what exact coverage and limits you do need.
  • How can I save money on auto insurance?
    Having a clean driving record is the best way to save money on car insurance, but there are also other things you can do to lower your car insurance rate. Please contact Insurhaus and our professionals will be happy to give you additional information.
  • Should I get renters insurance?
    Whether you own or rent, you are responsible for your own personal property. More importantly, you are liable for everything that can happen in your rented property or for the damage to your neighbors.
  • What is the difference between Property and Liability insurance?
    Both are very important to your business. Property insurance protects your business property, building, contents, and equipment. Liability insurance is protection from third party injuries or property damage.
  • What is Umbrella insurance?
    Umbrella insurance is also known as excess liability insurance. Coverage is designed to give additional liability protection on top of the limits of the business liability policy. The protection of the umbrella policy begins when the limits of the primary liability policies have been reached.
  • Is my business required to have Workers Compensation insurance?
    Workers Compensation insurance is required by regulation in most states if you have W2 employees and in some higher risk business areas for any type of employee or worker. WC insurance includes medical and disability coverage for work related injuries or illness.

  • Health Insurance

    • Does my new insurance plan cover my prescription?
      To find out which prescriptions are covered through your new Marketplace plan:
      • Visit your insurer’s website to review a list of prescriptions your plan covers
      • See your Summary of Benefits and Coverage, which you can get directly from your insurance company, or by using a link that appears in the detailed description of your plan in your Marketplace account.
      • Call your insurer directly to find out what is covered. Have your plan information available. The number is available on your insurance card the insurer's website, or the detailed plan description in your Marketplace account.
      • Review any coverage materials that your plan mailed to you
    • Finding a doctor in your plan
      To find out if your doctors and other health care providers are covered by your new Marketplace plan, or to find a covered provider if you don’t have one yet:
      • Visit your health plan’s website and check their provider directory, which is a list of the doctors, hospitals, and other health care providers that your plan contracts with to provide care.
      • See your health plan’s provider directory. You can get this by contacting your plan, visiting the plan’s website, or using a link that you’ll find on the plan description in your Marketplace account.
      • Call your insurer to ask about specific providers. This number is on your insurance card and the insurer’s website.
      • Call your doctor’s office. They can tell you if they accept your health plan.
      • Call the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325). A trained representative can help you find your insurer’s number
    • I’m having an emergency. Should I go straight to the hospital or do I need to call my insurer first?
      In a true emergency, go straight to the hospital. Insurers can’t require you to get prior approval before getting emergency room services from a provider or hospital outside your plan’s network.
    • What does it mean that insurance companies can’t charge me more?
      Insurance plans can’t make you pay more in copayments or coinsurance if you get emergency care from an out-of-network hospital. They also can’t require you to get prior approval before getting emergency room services from a provider or hospital outside your plan’s network.
    • Will I have to pay anything?
      This depends on the plan that you chose and the hospital you go to. This care may be subject to a deductible, for example, or a hospital may have particular rules in place.

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