Lucy was a child when she was diagnosed asthma. Her parents searched for health insurance, but were denied coverage for hospital visits and medication. Prior to the Affordable Health Care Act, this was a common scenario. Many Americans have been denied coverage of regular medical expenses for pre-existing and chronic conditions, such as asthma. In addition, not every American could afford or receive health insurance due to different employment and income situations.
Hopefully the insurance papers cluttering up your desk are not the only copies. Staying organized and protecting your insurance information is a necessity. Many circumstances require insurance information to be easily accessible at a moment’s notice; natural disasters such as floods, fires, etc. can damage paperwork and affect your claim.
Hettler Insurance is one of the area’s fastest growing Independent Insurance Agencies working with thousands of families and hundreds of businesses. In order to continue our growth, we are relocating our business around Jan 1st, 2014 to 4432 South Loop 289 in Lubbock, TX.
Regardless of your feelings, the ACA that was passed in March of 2010 is here.
In 2014, every American is required to have health insurance or pay a penalty to the IRS. The enrollment period for a January 1st, 2014 effective date starts October 1st, 2013 and runs until the middle of December.
Buying insurance in Lubbock is quite a shock for many who move here from other parts of the country. They can’t believe that home insurance can cost so much. When I moved to Lubbock over 30 years ago, the cost of my home insurance doubled while the amount of coverage decreased 25%.
Some dog breeds would become extinct if insurance company underwriters had their druthers. (I love that word.) Here’s why:
A few years ago a client (Mike) came in and told me that his parked car was hit in our local shopping mall’s parking lot by another car. I told him that he had elected to purchase only liablity on his vehicles. He told me that wasn’t a problem because the other party had auto insurance on her car. In fact, she (Linda) had coverage through our agency as well!
The down and dirty answer to this question is almost always….MORE. I’ve never met a widow or widower that said that their spouse had wasted money on life insurance. I HAVE dealt with survivors scrambling to put enough money together just to get the deceased into the ground!
Hettler Insurance Agency
4432 S Loop 289
Lubbock, TX 79414