Licensed In MD, PA, VA, WV, DC, OH

3 Decades of Experience


(301) 790-3304

Health Insurance

One of the leading topics that’s been in the news for the past several years is health insurance. This type of insurance is an important hedge against the possibility of serious illnesses. One of the leading causes of bankruptcy in the US is related to healthcare costs, but an insurance policy can mitigate many of the expenses.


Everyone would do well to insure their health. Even young, seemingly healthy people can run into health issues. These can come from acute or chronic diseases that might require one or more trips to the hospital. Additionally, young people, as well as older people, can run into accidents. No one knows when a reckless driver could cause major problems for his or her health. A healthcare policy will usually take care of much of the cost of treatment and hospitalization, depending upon the services that are covered in the policy.

Most health policies will have a deductible. This is the amount that a policyholder will need to pay out of pocket before the policy kicks in. Depending upon the policy, the deductible could be really low or quite high. Deductibles could range anywhere from $100 to $10,000. After the deductible is hit, most policies will pay a certain percentage of covered costs, usually between 60 and 80 percent. The policyholder will be responsible for the difference up to a stated out-of-pocket maximum, which will also vary based upon the policy.

Plans that have deductibles above $1,000 can also qualify for a Health Savings Account, also known as an HSA. These accounts allow policyholders to save money tax free for medical expenses. The money is not taxed when it’s saved. It’s also not taxed when used to pay for qualified medical expenses. The money can also add up over time and be a sort of retirement account once a person reaches 65 years of age.

The major benefit of a health insurance policy is risk management. A policy can help allow its holder to avoid going into massive debt over medical costs. Because medical bills are the leading cause of bankruptcy in the US, it’s a very good idea to take out a policy for this eventuality.

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I’ve been with the Karlen Agency for over 25 years.  They’ve always gone above and beyond with their service, claims, and advice.  Highly recommend them.


I was looking for car insurance and met with James from the Geoffrey Karlen Agency, he was well informed and extremely patient in answering my numerous questions. Everyone from the GK Agency was helpful and I highly recommend them.

Amanda B.

James helped me set up a commercial insurance policy for my business. He is very helpful and my policy is not only less expensive than my old one, but the service is much better as well. I will be re upping next year and highly recommend anyone looking for a commercial policy give him a call!

Dustin Beruta

I switched to Nationwide for my homeowner’s insurance. James was extremely through and even told me about items that I did not have on my original policy that protect me as an owner during a catastrophe. The agency’s attention to detail and customer service is AMAZING! Thanks guys!

Kristin Salgado

My Agent James Van Kirk has been amazing. I switched to Nationwide for my renters insurance. James, and this Agency, is extremely thorough. The email updates regarding policy notifications are great for me since I’m always on the run. The agency’s attention to detail and customer service is why I’ll be staying and telling all of my friends about them.

Jason Washington

Its refreshing to know that professionals like my agent James are still in our area. As someone who gets to see many operations and practices, this office always exceeds my expectations and are among my favorite local professionals to do business with.

Mike DeLoso


(301) 790-3304


(301) 698-1686


(301) 334-1040


(301) 831-0223


(240) 422-8652


(304) 258-4251


(304) 754-5601

19756 Longmeadow Rd.
Hagerstown, MD 21742

186 Thomas Johnson Dr. Ste 100
Frederick, MD 21702

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Oakland, MD 21550

602 Center St. Ste 107
Mount Airy, MD 21771

3 Hillcrest Dr. Unit A203
Frederick, MD 21703

24 Nationwide Lane,
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2433 Hedgesville Rd.
Martinsburg, WV 25403