Getting started – Why start another blog? Especially an insurance blog!

It all started when I realized how much wrong information is accepted as common knowledge about insurance. A majority of people do not know what kind of coverage they have, or don’t have, when it comes to their insurance policies. How do I know this? Because I used to be like that too.

Here’s a quick quiz:

· What is the annual deductible and total annual out-of-pocket max on your health policy?
· Is your emergency room co-pay really a flat fee of $50, or is it a flat fee of $50 after you’ve met your annual deductible?
· What are accelerated benefits and does your life insurance policy have them?
· Do you think your health care plan will cover you if you need long-term care?
· Do you think Medicare will pay for your long-term care needs?
· What’s the deductible on your homeowner’s insurance and what’s the max amount it will pay to rebuild your house if it was destroyed?

If you don’t know this, don’t worry…yet. I was in the same situation. I learned the hard way on the ER deductible question. My wife and I thought an ER visit was a flat $100, but it’s only $100 after we met our $2,000 deductible. We were stuck with a huge bill. I wasn’t in the insurance business at the time that happened. I had a group plan with my employer, and I didn’t check the benefits closely enough. I’m not making that mistake again on any type of insurance coverage I purchase. I need to know exactly what is covered and not covered. And so do you.

And that’s why I’ve started this blog. It’s an easy way for me to communicate to my clients, and anyone else that stumbles upon this blog. I can provide helpful information, free of charge.

The purpose of this blog will be to give Tennesseans (regulations vary by state) information so you’ll have the best coverage for life, health, Medicare, and long-term care insurance. I like to use real life examples (identities are protected of course) to show how insurance benefits work in practice. This way, you’ll know what to expect when the unexpected happens. You’ll also know which insurance benefits are the most important to get coverage for and which just sound good on paper.

We’ll look at different ways to make sure you have adequate coverage.