Halloween Trick

I take the scary out of health care!

With the help of Michael and Bad Designs

Local Owned Business and Fellow Anderson Chamber of Commerce Member

Local Owned Business and Fellow Anderson Chamber of Commerce Member

I was STRUCK with a flash of insight which I promptly ordered and Bad Designs had my costume ready by 4 that very afternoon! (I have worked with Bad Designs before and trusted them to make it sight unseen)

I have a cape so that OFFICIALLY makes me a Super Hero!

I have a cape so that OFFICIALLY makes me a Super Hero!

Defender from HealthCare Confusion!

My shirt says it, must be true!

My shirt says it, must be true!

I have been licensed as an Insurance Agent since 2007!

I am still learning my cape flapping moves, better pictures to come

I am still learning my cape flapping moves, better pictures to come…and yes, I think my hair is sticking up

 

I am in your community…if you live in East TN.!

301 Oak Ridge Turnpike, Suite E, Oak Ridge, TN 37830

301 Oak Ridge Turnpike, Suite E, Oak Ridge, TN 37830

I do not charge you to help you understand Deductibles and Co Pays and Networks!

Green tights and Blue boots coming soon!

Green tights and Blue boots coming soon!

DO NOT be a victim of “I do it myself!” that is when HealthCare gets nasty! Use UrLocalAgent.com!

Seriously, I am here to help, just visit my webpage, give me a call, send me an email. Otherwise you will be stuck for ALL of 2015 with the wrong decision.

Thank you for reading and have a great day!
Dave
Vudragovich 0914 2x2p5

 

 

This week’s wins!

Current ad on www.OakRidgeToday.com

Current ad on www.OakRidgeToday.com

Tis the season for confusion and cursing our medical systems (the government that made it, the insurance companies, the Insurance Agents…ouch)

From Google Images

From Google Images

While everything is not roses and chocolates I do have some wins from this week I wanted to share with you!

WIN 1

I had a lady this week that was paying in excess of $250 per month in premium (what she pays for her coverage) and about $1800 a year for her prescriptions.

After much discussing (about 20 minutes) she decided to go with a plan that only cost her $105 a month and saved her an additional $1200 a year on her medication!

Since she is on a fixed income, she was very happy with the savings and satisfied with the coverage.

Win 2

I met a lady that had called just ONE company who sent an agent out that could write ONLY for that company. While her coverage was very good she was paying $170ish a month for her coverage.

I represent MULTIPLE companies so I will look between them and find who has the best pricing for the product for my clients. I am looking at changing carriers (EXACT same coverage) and saving her about $30 a month!

Use an agent who can help you, not pigeon hole you!

WIN 3

I get paid by the insurance company, not you!

I DO NOT ACCEPT MONEY FROM YOU, THE INSURED! That means it costs you NOTHING to sit with me.

But your win is from my experience and knowledge, I have been in the world of insurance since 2007.

I am appointed with MULTIPLE carriers (I have more than 1 choice for my clients) I can help you make an informed decision, not just steer you to the ONLY company that would pay me (see WIN 2 above and what happened to her)

LOSS 1

I had 2 clients call and the doctor’s office decided to quit taking individual major medical policies.

The Doctor’s office also WRONGLY called them Obama Care policies! The Doctor’s office not only decided to quit taking individual polices (regulated by the Affordable Care Act) they also decided to quit accepting the Grandfathered policies and individual policies issued outside of the Marketplace/Exchange.

The LOSS 1 is beyond my control.

Please use a LOCAL Licensed Insurance Agent, not some 800 number on TV to help you make an informed decision. Please do not do it on your own, I think your health is more important than that.

Thank you for reading and have a GREAT weekend!
Dave
Vudragovich 0914 2x2p5

 

And please remember everyone’s situation is different so what worked for you may not work for your neighbor or spouse.

Does $1400 get your attention?

HealthCare season has started!

For some that is good!

For others that is not so good.

But either way it is important to review your coverage! (the moral of the story if you have a short attention span like me is “Even if you are HEALTHY! it is still a good idea to review your coverage”)

As a Licensed Insurance Agent since 2007 I have seen many things, many of which where avoidable or should have turned out better.

Me in early 2008! Suit man...

Me in early 2008! Suit man…

Tuesday I sat with a lady who got her plan last year. The person who came out to help her could ONLY write for 1 insurance company. If the lady did not sign up for that company…there was no pay check. Personally I see that as a conflict of doing what is right for the insured vs. an Agent needing money for gas. (don’t get me wrong,she had a good quality plan that worked, I just like my customers to have options)

This year (for 2015) if she stays with the same plan she is looking at spending about $1,400 more on medication.

From Google Images

From Google Images

Is that enough to cause her to want to change?

In this case yes. The insured also pays a sizable monthly premium that she is going to be able to save. Her son was there and I presented the options and THEY decided to take the savings!

Between the current prescription savings and the monthly premium savings, she will spend over $2,000 less in 2015.

This is just one scenario, every situation is different, but if the same agent (one trick pony with only one carrier, her current one) had been out, odds are they would not have seen their other options and spent a lot more money in 2015.

Please use a professional!

And please realize that Insurance Agents of today are different than from when we got the negative stigma years ago…maybe I will write about that next week, hmm.

Thank you for reading and if you do not understand your choices, PLEASE call a Local Licensed Professional. (same with electrical work)
Dave
Vudragovich 0914 2x2p5

 

Clown School Bus!

If I had not seen it with my own eyes I would not believe it!

I got stopped at one of those bus stops earlier this week and thought I was at the circus!
(you know they have the little stop sign and all the flashly lights)

From Google Images

From Google Images

I am sure you all remember being at the circus as a little kid where the clowns would just pile out of the car…and then some more…and then a few more…then one would pop out from where the engine was supposed to be.

From Google Images

From Google Images

Well it was like that! I swear every kid on the bus got off at the entrance to the one community just down from the steam plan on Edge Moore (for those of you familiar with Claxton)

I did not count but every bit of 400 elementary kids hopped off the bus!

Not only that, the bus was packed so full originally, it was as big as those 2 level buses they use over in London and by the time the kids got off, it was a short yellow bus (remember the cartoons from when we were little kids?

From Google Images

From Google Images

I swear there were that many!

From Google Images

From Google Images

But the good news is, as a driver, I was not stuck stopping every 3 houses for a single kid to get off the bus so I am glad to see the schools are being efficient with their returning of students!

And no, I have no idea how to tie this in with insurance.

BUT if you have children, please be sure to have at least some Life Insurance (not just your work coverage, that is too easy to lose)

IF you are a stay at home spouse, it is important for you to have insurance as well! If something would happen to you, would your working spouse pay for someone to get your children off the bus? Who would get your kids up and off to school in the morning.

Life insurance can never replace a person who is gone, but it can give you options on being able to grieve or hire someone to help.

Thank you for reading and have a wonderful day!
Dave
2014-08-07 12.44.20

Local VS. 800

It is that time of year when you are going to see literally HUNDREDS of TV commercials telling you to call some complete stranger…unless you are like me and do not have cable.

From Google Images

From Google Images

These complete strangers:
May or may not be licensed Insurance Agents
Will not be the same person at the end of the phone twice
Will be able to answer questions about their product only

From Google Images

From Google Images

Your Local HealthCare Enrollment Agent:
If you have not guessed it is me.
You can meet me at a local restaurant
You can have me come out to your house
You can come to my office (A&W Plaza, 301 Oak Ridge Turnpike, Oak Ridge, TN)
I am licensed by the state and I have that license hanging on my wall
I am appointed with MULTIPLE insurance carriers in my area (I am not a 1 trick pony)

My suggestion is click this picture for a better option!

Anderson County Chamber of Commerce, July 24, 2014

Anderson County Chamber of Commerce, July 24, 2014

And maybe the most important part, over the last 2 months I have received 7 calls from clients with questions (about their plan, doctors, new medications, random wonderings, etc).

I am STILL HERE!

ad on hold 3

From Google Images

I have been in the world of insurance since 2007 and I am the ONLY person to answer my phone…except sometimes my Voice Mail. But I do try to return calls in a timely fashion.

HealthCare season is now an annual event, do not regret your decision for the next 12 months, use a local Licensed Agent like me!

Thank you for reading and have a wonderful day!
Dave
Vudragovich 0914 2x2p5

Misleading Life Insurance

As a State Licensed Insurance Agent, I regularly hear people say “I have Life Insurance through work”.

My reply is “Great! But what if you out live your FMLA?”

From Google Images

From Google Images

Yes, it just got real, fast! I had a client in 2010 who only owned life insurance from his employer. It was the $25,000 the employer offered (not even 1 year of income). BUT…it was free. Know why work coverage is free?

From Google Images

From Google Images

It is part of a group policy so the employer gets it cheaper (less underwriting and large group paying in and employees are transient so it is less risk).

If you leave the job, the Life Insurance gets dropped (all those premiums the employer paid in were never redeemed).

From Google Images

From Google Images

EVEN IF! you come down with cancer and eventually die…the Insurance company may not have to pay. (See other problems from last week’s post)

Back to my client in 2010. Came down with cancer mid July, used 7 weeks of vaka pay, applied for FMLA (Family Medical Leave Act) and then died the end of September, just before his 54th birthday.

Not what happened to my client. From Google Images

Not what happened to my client. From Google Images

He was never healthy enough for his first cancer treatment. (Watch those cancer policies your employer offers, they may not pay either! My cancer policy would have paid the full lump sum in this case, hint, hint)

BUT if he had lingered on for a bit and had not continued to be considered an employee, the $25,000 would not have been paid out.  His family would not have received any money from the company because he would no longer have been an employee.

Fortunately, a few years earlier, his daughter took out a small policy on him. So whether he recovered immediately or lingered, unable to work for 6 months or longer, the family would have had some insurance to help with final expenses and outstanding medical bills.

Planning is not over rated and only takes 2-4 hours out of your year!

From Google Images

From Google Images

As it was, some of the Insurance money was used to pay the mortgage so his family had a place to live (he was the only family member who was working).

While it is great when an employer offers you free Life Insurance, PLEASE do not rely on it being enough for your family.

September is Life Insurance awareness month and there are lots of great options out there, just call and I will be happy to review what might better suit your needs.

Thank you for reading and have a safe day!
Dave
Vudragovich 0914 2x2p5

 

Does Life insurance always pay?

I am here to help but the simple answer is no.

From Google images

From Google images

If you wait it can be “too little too late” or part of the “road to …is paved with good intentions”

From Google Images

From Google Images

September is Life Insurance Awareness month. Many national surveys and reports show Americans as Uninsured and Underinsured (topics for another post)

From Google Images

From Google Images

Today’s topic is examples of when life insurance will not pay.

Given that yesterday was 9/11 (September 11th, 2014 for those of you reading this post in the future) I believe it is important to educate my clients with the good and the bad.

Many life insurance policies will not pay if you die in an act of war or terrorism.

Also many policies have a 2 year contestability period from date of issue.

That simply means they reserve the right to review the initial application and make sure you did not lie or misstate any information.

And if you commit suicide in the first 2 years, many carriers reserve the right to not pay.

From Google Image

From Google Image

I had one client who was fairly healthy when he applied for a Life Insurance policy.  13 months later he was diagnosed with cancer and died 2 months after that. Since it was in the first 24 months (2 years) the carrier pulled all of his medical records and reviewed EVERYTHING to make sure they were responsible to pay.

The Insurance Provider did pay the claim but it was 3 months later so thankfully the family had a second small policy to help replace her income and pay the mortgage in the meantime!

This is all reasons to apply early for the right policy, so that when the 2 year window is over you do not need to worry about it.

And consider having multiple policies. I personally have 8 or 9 different policies (each serves a different purpose) and I have taken them out over the last 20 years!

Please use an experienced professional, who is licensed and understands the various options and strategies.

Thank you for reading and have a wonderful day!
Dave
Vudragovich 0914 2x2p5