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OnePoint Insurance Agency At OnePoint Insurance Agency, we make insurance simple and personal. Expert guidance, exceptional service. Your one trusted partner.

We protect individuals, families & businesses with customized coverage: health, auto, home, life, and business insurance.

10/17/2026

A normal drive home can change the moment a vehicle loses power.
Roadside Assistance provides access to covered emergency services when a vehicle becomes disabled.

Depending on the selected plan, coverage may include towing, jump-starts, tire assistance, lockout services, fuel delivery, and transportation to a repair facility. Service limits, conditions, and availability should be reviewed before coverage is needed.

Preparation does not prevent every breakdown.
It helps drivers respond when one occurs.

Contact OnePoint Insurance Agency today to explore roadside assistance options and find out how you can add this protection to your auto insurance policy.

10/17/2026

The damage made the home temporarily unlivable—but the mortgage, meals, and everyday life didn’t suddenly stop.

When a covered loss makes your home unfit to live in, Loss of Use Coverage may help with certain additional living expenses while your home is being repaired or you’re temporarily living elsewhere.

Depending on the policy, this may include eligible additional costs such as temporary lodging, increased meal expenses, and certain other necessary living expenses above what you normally spend.

Home insurance isn’t only about repairing the house. Loss of Use Coverage can also help you maintain your household while you’re temporarily displaced.

Contact OnePoint Insurance Agency to review your homeowners or renters insurance and understand the protection available to you.

Coverage, limits, covered expenses, time periods, and eligibility vary by insurer, policy, and circumstances of the loss.

10/16/2026

The fire didn’t just damage what was inside his home… it damaged the walls, roof, floors, and the structure his family depended on.

When serious damage happens to a home, repairing or rebuilding the structure can become one of the largest financial challenges a homeowner faces.

Dwelling coverage is the part of a homeowners policy designed to help pay to repair or rebuild the home itself when it is damaged by a covered cause of loss.

This generally includes the house and structures attached to it, such as an attached garage, along with built-in features and materials that are part of the home.

The amount available depends on the policy, its limits, the cause of damage, deductible, exclusions, and other terms.

Your home is more than where you live. It is something you worked hard to build and own. Make sure the structure itself has the protection it needs.

Contact OnePoint Insurance Agency to review your homeowners insurance and dwelling protection.
Coverage is subject to policy terms, limits, deductibles, exclusions, conditions, and applicable endorsements.

You have health insurance. You visit a doctor. So why is your medical bill higher than expected?The answer may be your d...
10/15/2026

You have health insurance. You visit a doctor. So why is your medical bill higher than expected?

The answer may be your doctor's network status.

Health insurance plans have networks of doctors, hospitals, and healthcare facilities. Where you receive care can affect how much you pay.

Here's the difference:

IN-NETWORK:These are healthcare providers that participate in your specific health plan's network. For covered services, you'll generally pay less because your insurance company has negotiated rates with them.

OUT-OF-NETWORK: These providers don't participate in your plan's network. Depending on your coverage, you may pay more, or certain non-emergency services may not be covered at all.

Here's what many people overlook:

A doctor may accept your insurance company but still not be in-network for your particular plan.

Before scheduling an appointment, confirm that your doctor and facility are in-network, check whether the service is covered, and ask about any copay, deductible, or coinsurance.

Emergency care and certain other services may have special billing protections.

Having health insurance is important. Knowing how to use your coverage matters just as much.

Have questions about your health insurance benefits or want to explore coverage options? Contact OnePoint Insurance Agency today.



Provider networks, benefits, and costs vary by plan and service. Certain federal and state billing protections may apply.

10/14/2026

The deductible was met… so why was there still part of the medical bill left to pay?
Understanding your health insurance doesn't stop at knowing your deductible. There is another important cost-sharing term you should understand.
That term is coinsurance.
Coinsurance is the percentage of the allowed cost of certain covered healthcare services that you may be responsible for paying, typically after meeting your deductible.
For example, if your health plan has 20% coinsurance, and a covered service has an allowed amount of $1,000, you would generally pay $200 while your health plan pays the remaining $800, assuming the deductible has been met and no other cost-sharing requirements affect the calculation.
Unlike a copay, which is generally a set dollar amount, coinsurance is calculated as a percentage. This means the amount you pay can change depending on the allowed cost of the covered service.
And here's something else worth knowing: for many health plans, once you reach your applicable out-of-pocket maximum, the plan generally pays 100% of covered in-network healthcare costs for the remainder of the plan year.
Meeting your deductible is an important milestone—but understanding your coinsurance helps you know how healthcare costs may continue to be shared afterward.
📞 Contact OnePoint Insurance Agency to explore health insurance options and better understand how your plan shares healthcare costs.
The example is illustrative. Coinsurance, deductibles, out-of-pocket maximums, covered services, network requirements, and other cost-sharing provisions vary by plan. Refer to your plan documents for specific benefits and costs.

One of the most overlooked health insurance benefits is the ability to receive certain preventive healthcare services wi...
10/13/2026

One of the most overlooked health insurance benefits is the ability to receive certain preventive healthcare services without paying out of pocket.

Understanding preventive care can help individuals and families make more informed decisions about their health and insurance coverage.

What is preventive care?

Preventive care includes healthcare services intended to prevent certain illnesses, identify potential health concerns early, and support long-term health.

Depending on the health plan and applicable guidelines, certain preventive services may be covered without a copay, deductible, or coinsurance when the plan's requirements are satisfied.

Examples may include:

Routine preventive visits: Visits focused on evaluating health risks and identifying recommended preventive services.

Recommended health screenings: Certain screenings for high blood pressure, diabetes, cholesterol conditions, and specific cancers.

Vaccinations: Certain recommended immunizations based on age and applicable medical guidelines.

Preventive counseling: Services addressing to***co use, nutrition, and other health-related risks.

However, an important distinction is often misunderstood: preventive care and diagnostic care are not necessarily covered the same way.

A service intended to screen for a condition may qualify for preventive coverage. Additional services performed to investigate symptoms, evaluate a medical concern, or provide treatment may be subject to different cost-sharing requirements.

Similarly, the provider's network status, the reason for the service, applicable guidelines, and the health plan's terms can affect the member's financial responsibility.

This is why individuals should understand not only whether their health plan includes preventive benefits, but also which services qualify and under what circumstances.

Before receiving care, reviewing the plan's benefits and confirming network participation can help clarify potential costs.

Health insurance education should go beyond premiums and deductibles. Understanding the benefits available under a policy is equally important.

Have questions about preventive care benefits or want to explore health insurance coverage options? Contact OnePoint Insurance Agency today.



Preventive care coverage, eligibility, applicable guidelines, network requirements, and cost-sharing vary by plan and service. Refer to plan documents for actual benefits and member costs.

10/12/2026

Finding a health plan with the coverage you need is important—but understanding what you’ll pay every month to keep it matters too.

That monthly payment is called a premium.

A health insurance premium is the amount you pay to keep your health plan active, whether or not you use healthcare services during that month.

Your premium is different from what you may pay when you actually receive care, such as a copay, deductible, or coinsurance.

When comparing health plans, looking only at the monthly premium may not tell you the full story. A lower-premium plan may come with different out-of-pocket costs, provider networks, or benefits than another option.

The goal isn’t simply to find the lowest monthly payment. It’s to understand what you’re paying for and choose coverage that fits your healthcare and financial needs.

📞 Contact OnePoint Insurance Agency to explore health insurance options.

Premiums, benefits, cost-sharing, provider networks, eligibility, and plan availability vary by health plan and location.

10/11/2026

Everything in the house looked perfectly normal… until one electrical failure left an expensive home system damaged.

Modern homes depend on more equipment than we sometimes realize.

Heating and cooling systems.
Major appliances.
Electrical equipment.
Home systems and technology.

But homeowners insurance does not necessarily cover every type of equipment failure.

Equipment Breakdown Coverage may help when covered home equipment is damaged by certain sudden mechanical, electrical, or pressure-system breakdowns.

It can provide valuable protection when the problem is more than ordinary wear and tear and involves a covered breakdown.

Your home doesn’t have to catch fire or be hit by a storm for an expensive loss to happen. Sometimes, something simply breaks down.

📞 Contact OnePoint Insurance Agency to review your homeowners coverage and ask about Equipment Breakdown Coverage.

Coverage varies by policy, endorsement, equipment, cause of loss, and insurer. Equipment breakdown coverage generally does not cover ordinary wear and tear or maintenance.

10/10/2026

One injury on the field can affect more than the player… it can leave the organization facing medical bills, liability questions, and an unexpected financial loss.”

A player gets injured during a game.
A spectator is hurt at the venue.
Sports equipment or property is damaged.
An organization faces a claim after an incident.

Sports insurance can help protect leagues, teams, clubs, camps, tournaments, and other sports organizations against certain risks that come with organizing and operating athletic activities.

Depending on the program, protection may include general liability, participant accident coverage, property protection, and other insurance designed around the organization’s activities.

You prepare your athletes to play. Make sure your organization is prepared for what can happen around the game.

Contact OnePoint Insurance Agency to discuss Sports Insurance for your organization.

Coverage varies by policy, sport, organization, and insurer. Policy terms and conditions apply.

10/09/2026

Everything inside the house was fine… until the water line buried outside suddenly failed.

The problem was underground.

Getting to it meant digging through the yard, locating the damaged line, making repairs, and restoring the property afterward.

Those costs can become an unexpected responsibility for a homeowner.

Service line coverage is an optional protection that may help pay for covered damage to certain underground service lines connecting your home to utility or service systems.

Depending on the policy, eligible lines may include water, sewer, electrical, and other covered service lines. Protection may help with excavation, repair or replacement of the damaged line, and certain restoration costs following a covered loss.

Not every type of line failure or damage is covered, and limits, deductibles, exclusions, and eligibility vary by policy.

Some of the systems your home depends on are the ones you never see—until something goes wrong.

Contact OnePoint Insurance Agency to discuss Service Line Coverage for your home.

Coverage varies by policy, insurer, type of service line, cause of loss, limits, deductibles, exclusions, and conditions.

Address

555 North Point Center E Suite 400
Alpharetta, GA
30022

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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