Many people (mostly younger) tell me that they don’t need health insurance because they never get sick. The only problem with that mindset is that we are all human, getting older, and don’t get healthier. Insurance provides protection against a possible eventuality. When that eventuality occurs, they could be financially ruined, and many times their family also. Most people qualify for subsidies to help pay for coverage. Short-term plans are very low cost and they put a cap on max out of pocket costs that will prevent financial ruin. There is no reason to be uninsured. Unfortunately, I’ve seen the horror stories when I cannot convince people to get at least catastrophic coverage, but I’ve also seen the thankful faces when I do convince them to get it and then something happens.

I see this also with car insurance. About 1 in 8 motorists drive around uninsured. Uninsured Motorist Coverage and Underinsured Motorist Coverage cover medical expenses (for you and your passengers) that result from a hit-and-run driver or a driver that is uninsured or underinsured. It does not cover damage to your vehicle. Without those coverages, you could be responsible for all your damages if you were hit by that 1 in 8 person. Many homeowners have 15/30 and go around thinking they have coverage. If you have 15/30 and cause an accident that sends 1 or 2 people to the hospital, the insurance company only covers the 15K for 2 people and you are then responsible for the rest. You could end up getting sued by their insurance company and either have wages garnished or end up in bankruptcy, risking your home. It is only a few dollars more to increase the coverage to 10 times that amount. Don’t be penny wise and pound foolish. If you are buying insurance, we make sure you are properly covered. Free Quotes take us a few minutes and could save your a**.

Valentine’s Day Life Insurance Reminder: Most life insurance is not for you; it protects your family. To protect yourself though, add a low-cost living benefit rider to a term policy and then the death benefit is available upon a critical illness diagnosis. The best Valentine’s Day present you can give your spouse/significant other is life insurance. Show them how much you love them by protecting them in case something eventually happens. There are hundreds of Go-Fund-Me pages to help families because their loved one put off life insurance. Go-Fund-Me is NOT life insurance!! Don’t rely on it to be yours.

Disability insurance protects your biggest asset: your ability to earn a living. Hint: If employers pay for it, it will be a taxable benefit. Instead, pay for it yourself and make it a tax-free benefit when you need it.

At Insurance Shops, we broker for most of the major companies for every type of insurance. We can get quotes for all this and every other type of coverage from most of the carriers in a few minutes. We help you help protect yourself and your family. It’s our job to help you cover you. We tell your family they are covered. Don’t make it our job to tell them they are not covered.

Special Marketplace Enrollment Periods (usually 60 days from qualifying life event) are when we can help you get a subsidy and start health insurance with no pre-existing conditions. Call us if you are newly married, divorced, widowed, having a baby, adopting a baby, losing other coverage (employer, Medicaid, spousal, parent), moving from another state, or getting out of jail.

Medicare tips: If you are turning 65, we can help you navigate the maze of Medicare to maximize your benefits for the least cost. We have helped thousands of seniors and do not charge a fee for our services to you. If you already have Medicare, we review your plan options and educate seniors on ALL their options. We have dedicated health professionals to help with all the drug plans choices. We patiently explain everything, so you understand your benefits. Between January 1 and March 31 each year, if you are enrolled in a Medicare Advantage plan, you can leave your plan and return to Original Medicare and buy a Part D prescription drug plan to supplement your Original Medicare. You also have the option to switch to a different Medicare Advantage plan during this time. The Part A / Part B general enrollment period is January 1 – March 31.

Our Motto: We will do the right thing for you to protect you. If you can crash it, burn it, break it, earn it we can insure it! We Shop it, You Save! Sure, you can do it yourself and then come to us for help to fix it because it was wrong, but get it done right the first time with an expert for less money.