Founded in 1979, Cartier Agency has grown into a leading independent insurance agency because of our commitment to provide our clients with friendly, personal service and expertise in all areas of the insurance industry. While we're located in Minnesota, we can service clients throughout the United States. Currently we have customers in 35 states. Our team of professionals represents many years of experience in personal, commercial, life and health insurance. We work hard to build strong relationships with our insureds so they will have confidence in our management of their insurance plans. Cartier Agency has built a reputation of trust and integrity. We believe in becoming an integral part of our community. As a group we have served on many community boards and committees, belonged to numerous service organizations and contributed to the betterment and well-being of the Duluth area. We are a family-based business and look forward to providing insurance plans to our clients well into the future.
The Cartier Agency provides home, auto, farm, life, health, recreational vehicle and trucking insurance along with workers compensation
How can I apply for an auto or mortgage loan with SCCU?
We offer several different kinds of loans—from mortgages to credit cards. Most loans can be applied for through an online application, over the phone, or in person at any of our five locations. Through our Smart Choice Auto Buying program, you can receive SCCU financing at participating local auto and recreation vehicle dealers, even when SCCU is closed.
How do I pay for nursing home care?
Chris Jensen accepts Medicare, Medical Assistance, many approved insurances and private payment. To qualify for some Medicare benefits, you must be hospitalized for at least 3 days and meet additional criteria. You will also need to have certain special services provided at the nursing facility. This could be a complex wound care, Physical therapy, Occupational therapy or Speech therapy services, IV medications, alternative nutritional support, a new chronic illness diagnosis or a need for self-care education. Medicare will pay for 100% of room and board, therapy and medications for the first 20 days. After 20 days there is a daily co-payment. Some insurance plans will pay your co-pay and others will not. Coverage may last up to 100 days.
Medical Assistance is based on individual financial situation. An application may be completed through St. Louis County. Our social workers are happy to assist with this and other forms of insurance.
From Cartier Agency
How can I save on my home insurance premiums?
There are many things one can do to save on your insurance premiums. By installing security and fire alarms in your home not only do you protect your family, but will give you a discount on your home insurance policy. To save money on your annual insurance premiums, look at carrying higher deductibles. The higher the deductible, lower the premium. Additionally, insuring your home and auto together with one company will save you money on your annual insurance premiums” multi-policy discount.
From Cartier Agency
How can I get questions answered about the Affordable Care Act?
We recommend that people start with speaking to a trained professional. Trained insurance professionals or a navigator with MN Sure can help you determine if you are eligible for a variety of programs which have become available because of the Affordable Care Act. There are a lot of factors to take in consideration; like monthly premiums, deductibles, out-of-pocket expenses, co-pays and most importantly, which doctors one may see. A trained insurance professional may help you navigate through all of the changes of the Affordable Care Act and find a plan that works for you.
How do I know my loved one needs nursing home care?
The first step is to have an assessment of their care needs. Our admissions coordinator will complete this assessment and walk you through the steps of placement. This will allow us to understand the individual care needs and personalize the services.