Richard Thomas - Thomas Risk Solutions

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Richard Thomas - Thomas Risk Solutions I'm an independent agent with The Jordan Insurance Agency.

We offer a wide range of insurance coverage from a superior group of insurance companies to make sure we provide you high quality products with top notch service. After dedicating 15+ years to the retail sales and management industry, I embarked on a new journey in 2015 by venturing into the insurance sector. It was during this transition that I uncovered my genuine passion for assisting families in navigating the intricate world of insurance. My expertise spans across various insurance domains, encompassing Medicare, Health Insurance, Life Insurance, Home Insurance, Auto Insurance, Business Insurance, Dental Insurance, and Vision Insurance. I take immense pride in forging enduring connections with my clients while diligently identifying solutions to safeguard their interests with the utmost integrity and exceptional service.

10/16/2026

In Charlotte, a Medicare Advantage network can lean toward Atrium Health, or toward Novant Health — and sometimes it can include both.

With Original Medicare, you can generally see any doctor or hospital that accepts Medicare. Medicare Advantage plans are built on provider networks, so the plan that works for your neighbor's doctors might not work for yours.

Before you enroll, check your specific doctors — and your hospital — against the plan's network. Call your doctor's office, use the Plan Finder at medicare.gov, or ask the plan directly. And re-check each year, since networks can change.

Full breakdown: https://thomasrisksolutions.com/blog/atrium-or-novant-medicare-network

10/15/2026

Medicare's Annual Enrollment Period opens today, October 15, and runs through December 7.

You can change your mind more than once during the window — whatever's on file December 7 takes effect January 1. So there's no need to rush. A good place to start: confirm your doctors and hospital are still in network, check how your prescriptions are covered next year, and look at your premium and out-of-pocket costs.

(Program-level information, not a recommendation about any specific plan.)

Full checklist: https://thomasrisksolutions.com/blog/medicare-aep-checklist

10/14/2026

Your dental plan has a spending limit — the annual maximum. It's the most the plan pays toward covered care in a benefit year.

Cleanings and exams often don't count against it. Fillings, crowns, and other basic or major work usually do. Once the plan has paid its maximum, it may stop paying until the benefit year resets — often January 1, though some employer plans use a different date.

Before scheduling major work, ask your dental office how much of your maximum is left, and whether splitting treatment across two benefit years makes sense.

Full breakdown: https://thomasrisksolutions.com/blog/dental-annual-maximum

10/12/2026

Term and whole life aren't a cheap version and an expensive version of the same thing — they solve different problems.

Term covers a set stretch of years and has no cash value. It's built for obligations with an end date: a mortgage, the years your kids depend on you, the stretch until retirement savings could carry your household.

Whole life covers you for life as long as required premiums are paid, and is designed to build cash value. It's built for needs without an end date: final expenses, a spouse who'd need support at any age, or leaving something behind.

Start with what you're protecting — and for how long.

Full breakdown: https://thomasrisksolutions.com/blog/term-vs-whole-life

10/09/2026

Honest question for Charlotte: what's the best fall weekend thing to do around here?

Georgia guy who's been here a while, and I still think I'm missing something. Pumpkin patch? A drive up to the mountains? A Saturday on the couch with college football?

Tell me what I'm missing.

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10/08/2026

Your homeowners policy typically covers hurricane wind. It generally doesn't cover the flood.

Wind damage — shingles torn off, a tree through the roof, rain getting in through storm damage — is typically covered, though some policies apply a separate hurricane or named-storm deductible. Rising water is different: storm surge, overflowing creeks, and flash flooding are generally excluded and require a separate flood policy. Many NFIP flood policies have a 30-day waiting period, so it's a decision to make before a storm has a name.

And you don't need a beach house. Inland North Carolina homes flood too. Hurricane season runs through November 30.

Full breakdown: https://thomasrisksolutions.com/blog/hurricane-insurance-nc

10/07/2026

Medigap has a six-month window a lot of people don't know about.

Your Medigap Open Enrollment Period starts the first month you have Part B and are 65 or older. During those six months, an insurer can't deny you the applicable policy or charge you more because of past or present health problems. Outside that window — unless a guaranteed-issue right applies — medical underwriting can generally apply.

North Carolina adds its own protection: people who qualify for Medicare because of a disability before 65 have a six-month window, starting with their first month of Part B, to buy specified Medigap policies without regard to health status.

Full breakdown: https://thomasrisksolutions.com/blog/medigap-vs-supplemental

10/05/2026

Most people become eligible for Medicare at 65 — but some qualify years earlier.

After 24 months of Social Security disability benefits, Medicare generally starts automatically. With ALS, there's no 24-month wait: Medicare begins the same month disability benefits start.

End-Stage Renal Disease is the path people most often miss. It isn't automatic at any age — it requires an application through Social Security, and coverage usually starts the first day of the fourth month of dialysis.

Full breakdown: https://thomasrisksolutions.com/blog/who-qualifies-for-medicare

10/02/2026

Did you know the oldest insurance company still operating in America was co-founded by Benjamin Franklin?

The Philadelphia Contributionship dates back to 1752, and its hand-in-hand mark stood for neighbors helping neighbors. Nearly 275 years later, it's still in business.

What's the oldest business you know of that's still running?

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09/30/2026

There's a screen in your employer's open enrollment portal that most people click past — the supplemental options. Accident, critical illness, hospital indemnity.

Don't add one just because it's in front of you.

Start with your own numbers: your deductible, your out-of-pocket maximum, what you have in savings. Then ask whether a fixed cash benefit would actually help with those — or with lost income if you missed work.

A small premium isn't the same thing as the right fit.

One more worth asking HR: does the coverage follow you if you leave the job? Some plans let you continue or convert it. Some don't. Ask rather than assume.

Full breakdown: https://thomasrisksolutions.com/blog/supplemental-enrollment

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3540 Toringdon Way Ste 200
Charlotte, NC
28277

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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