About Us
Protecting Futures
We have years of insurance experience helping clients prepare for the unknown. Ask us about Health, Life, Dental, Medicare, Medicare Supplement, Disability, and many more! We are here to help you make an educated choice.
Assessing Need
Our support team is available to assist you with any questions or concerns. At FAS INSURANCE PRODUCTS, your satisfaction is our top priority.
Building Relationships
Everyone has different insurance needs. Contact us today for a personalized assessment and find out how we can help protect your hard-earned assets.
We are Pennie and Healthcare.gov certified!
FAS INSURANCE PRODUCTS
Freddy Santamaria
Mr. Santamaria began his career in insurance in March 2009 as a field Insurance Agent. He has experience with ACA as a Certified Pennie Broker. Also works as a Broker for Medicare Products, such as Med Supp and Medicare Advantage.
He has experience with Health & Life Insurance products such as Term, Whole Life and Final Expense. Please call (570) 292-3965 or (570) 668-2800, for a free quote.
Also, get quotes on dental and vision insurance. Click the links below.
Turning 65 Soon?
You may have a plethora of questions. I invite you to come and speak to me or any other available agents to help you navigate through the system. Stay informed.
The best preparation for tomorrow is doing your best today.
H. Jackson Brown Jr.
Contact Information
Fas Insurance Products
Location: 31 Center Street, Tamaqua, Pennsylvania 18252, United States
Phone: (570) 668-2800
Fax: (570) 668-2828
Email: freddy@fasinsuranceproducts.com
Office Hours:
Tuesday - Friday: 9:30 AM - 5:00 PM
Monday: By appointment only
Call or visit us for an appointment
Saturday - Sunday: Closed
Contact Us
Schedule a Free Asessment
Contact Form
Subscribe
Subscription Form
Frequently Asked Questions
Please contact us if you cannot find an answer to your question.
What is a Deductible?
A health insurance deductible is a specified amount or capped limit you must pay first before your insurance will begin paying your medical costs. For example, if you have a $2,000 deductible, you must pay that first, before the plan starts to pay. However, Sometimes, it only applies to certain items, such as MRI/CT scans. You may not have a deductible to see your primary care physician, nor any other services except for the MRI/CT scan. They may say, for example, MRI/CT scan $0 after the deductible. Meaning that after you pay, the usually once a year deductible, your next MRI/CT scan will be $0.
What Are Co-pay and Co-Insurance?
A copayment is the portion of a medical insurance claim that you’re responsible for paying. In most cases, a doctor’s office will request the copayment at the time of your appointment.
A coinsurance is the percentage of the costs of covered healthcare services you pay out-of-pocket (20%, for example) after you've met your deductible.
Example: 80/20 Split: A typical coinsurance breakdown is the 80/20 split. After meeting your deductible, you’re billed for 20% of medical costs, while the insurer covers the remaining 80%.