Coming to the end of the year means hurrying up and getting all of your health procedures done because you have or will be hitting your deductible. What does this really mean for you and your health?
Happy December, everyone! As we are quickly coming to the end of open enrollment and gearing up for a brand new year with a whole new deductible to meet, the rush to get in all of our doctor's appointments now and go through with all of those proceeds you've been waiting to get done is on before next year begins! However, this year might get in the way of that due to COVID restrictions and regulations, and the fact that this year has gone by so quickly. With so much going on in our insurance world, in your health journey, and with the holiday season being here, we wanted to dive a little more in-depth about hitting your deductible and what this can and cannot mean for your health and your bank account.
First and foremost, we do want to stress that your health is the most important thing in this equation. If you need healthcare or a medical procedure done, please get it done. Don't wait to meet your deductible to get the healthcare that you need. If it's something you need now to stay healthy, to improve your quality of life, and to help keep you safe, get it done now. While money can be daunting when it comes to going to the doctor, there are so many options out there for you. First, please speak with us here at Abri if your health insurance coverage isn't providing you with enough coverage. We will continue to help you find a plan that is affordable and will provide the coverage you need for your health care needs. If we can't apply this new plan right now, we will help you pick out the best plan possible for the new year and help you navigate your medical expenses now.
Next, speak with your doctors. Many doctors, offices, and hospitals do provide payment programs and options, they just don't advertise them. To find out about them, you have to ask about them. So please ask! Also, we understand why you might have chosen a plan that has a low monthly rate and a high deductible. You might not be able to afford a plan with a higher monthly premium, so you're okay with having a higher deductible. However, if you do choose this and choose to wait to reach that deductible to finally get the treatment you need, it could turn out to be much more expensive than just getting a higher monthly premium plan. What happens if you're sick and wait too long to get the care you need? You could cause serious damage to yourself that requires more treatment, medicine, and surgery to help keep you healthy and alive. These medical procedures and treatments can end up being way more expensive than if you had just gone to the doctor in the first place and more expensive than getting a higher monthly premium. So please think about that, and please put your health first.
However, if you are still going to wait to hit your deductible, there are a few things we wanted to share with you. Even if you don't hit your deductible, you should still get the most out of your insurance plan as you can before the year is up. You've waited long enough, you've paid for it all year, research what you can give back to yourself, and take advantage of it. Don't just plan for the end of the year, consider next year too and how these visits can help you now and in the months to come. Also, don't forget, if you have hit your deductible for 2020, your deductible will go back to zero once 2021 rolls around!
Lastly, we are here to help you find the best insurance plan for you. Has this open enrollment season made you realize how difficult it can be to find the plan you want? Were you unhappy with your insurance this year and didn't hit your deductible or get the care you need? We can help with that! As the year winds down, make sure you add contacting us to the top of your list to make 2021 a more stable year for you and your health insurance plan!
The joy of fall can be tainted by the threat that hurricane season is still with us until November 1st. Make sure your home and your family are prepared and insured for anything that could happen.
Hurricanes and the Lowcountry go together like a day at the beach and a potential sunburn. No matter how much we love living here, there are just a few things that come with the territory. Hurricanes, flooding, and tropical storms are just some of the potentially dangerous, scary, and everyday threats we have to live with. It's the price to pay for living in one of the most beautiful places in the southeast. No matter if you're new to Lowcountry or not, you always need to make sure you're prepared for anything. Your home needs to be safe and secured, your evacuation plan needs to be established, and your insurance needs to be ready to support your home and property through what ever damage these storms could bring. According to Forbes, NOAA updated its 2020 storm prediction to upwards of 13 to 19 storms, already reaching 9 named storms by August of this year. In the past that many storms didn't appear until October. Over 60 million people are living right in the hot spot for these storms, and South Carolina is apart of that. Even if you aren't currently insured for the damages a hurricane can bring there is no better time than now to get started.
How does your insurance plan stand up to all of these requirements, needs, and reminders? Are you ready for hurricane season and what's left of it? If not, please don't panic. We are just a phone call away and are here to help you get protected and covered. We are excited to work with you and love being a part of the Summerville community!
When you're in the market for insurance, you can feel like a number lost in the shuffle of large corporate agencies. Here are some of the top reasons why you should be working with an independent insurance agency.
Hello, friends and family in North Charleston and beyond! We continue to appreciate your support of our company and our social media presence. We are very excited to start a brand new venture; blogging! That's right! Twice a month we will be giving you fun, informative, and interesting blogs to help guide and education you in the world of insurance. We know you love our company because of its individuality and the personal attention we give to our clients. Through these blogs, we hope you find even more reason to enjoy working with us, have fun learning, and feel free to ask any questions you would like in the comment section after every blog. We look forward to you joining us on this adventure! In this first blog, we are going to start with the basics, the top three reasons why you should be working with an independent insurance agent!
First off, if you're new to our company you might know the difference between an independent insurance agent compared to a captive or direct insurance agent. A direct insurance agent works for, represents, and can only offer policies from one insurance company. An independent provider, like our company, offers multiple plans through multiple insurance companies. The goal of a captive agent is to work for and benefit the insurance company. The goal of an independent agent is to work for the client and to find them the best plan available to them based on their personal and financial needs. This has been our goal since day one when we started in a spare bedroom right here in North Charleston way back in 2014.
#1. Better Customer Service
As we mentioned above, our job is to work with you to find the best insurance policy for your needs. We get to learn about you and your family, and you get to learn about us! We search through all the plans and providers out there to create a handpicked plan based on the time we take to get to know you. It goes beyond picking the perfect plan, too. Once we've found the best plan, we keep up with your needs as time goes on. We help you resolve your claims much faster, it can be in a matter of days compared to a large agency that could take weeks or months to resolve an issue. We make sure to answer all calls, questions, emails, and general inquiries in a very timely manner. We can keep that personal connection with our current and future clients. An independent agent also knows and understands your policies and can easily catch any mistakes made on a claim, or a mistake made by an adjuster to avoid denial of your claim. An independent agent can also directly explain any confusing or difficult language within a policy that might not make sense or that you might not understand right away.
#2. A Lifetime Partnership
Once you begin working with an independent insurance agency, you can have a partnership with them through all the stages of your life. They get to know you as they pick out your very first policy, so they understand when your coverage needs to be reviewed and possibly changed. Did you just buy your first home? Have your first child? Send your child to college? Get that big job? Retire? All of these new and exciting stages in your life will come with new challenges and will need new insurance policies to match. You won't need to shop around anymore, once you begin working with an independent agent, you just have to pick up the phone or pay a visit to the person you've been dealing with this whole time. This is such a rare and special quality. What also makes an independent agent so unique is that they are right here in your neighborhood and represent the same community you do. They understand your economy, what unique needs are needed for living in your area, and love living in your community just like you. They aren't just your insurance agent, they're your neighbors.
#3. Fighting For You
Like we've mentioned previously, independent agents work for you. They don't work for the big insurance companies. When things get difficult in a situation where your insurance is needed, they can become your advocates. If a claim needs to be adjusted, if a mistake has been made, or you've had a huge life change and you need to edit your policy, your independent agent can act as a buffer between you and your insurance company. They can help you fix any of these issues promptly. Also, they can become your personal advisers, helping you make some tough decisions. They can give you a few options based on their long term knowledge of working with you. Also, an independent agent is a one-stop-shop. You can get every kind of insurance you need at one time, and each will be handpicked and curated to your needs and budget.
Pretty spectacular reasons, right? These are just a few of the basic ideas about why we love doing what we do. We encourage you to read more into the other benefits of working with an independent agent. You will be blown away by the amount of information a basic google search will give you! If you have any more questions, please feel free to reach out at any time or put them in the comments below. We are excited to work with you and love being a part of the Summerville community!
We are Abri
We've created this blog to keep our customers and others in the know. When it comes to insurance and keeping people safe, no knowledge should be off limits.