03/31/2025
**Buyer Beware**
PSA: The Importance of Choosing the Right Insurance Coverage
A gentleman recently left his job to start his own business—an exciting yet daunting transition. Like many, he had little knowledge of his insurance options and was drawn in by a plan that promised the world at an unbelievably low rate. Unfortunately, like most people, he didn’t read the fine print.
Since entering the insurance industry, I’ve become an expert in dissecting those tiny details most overlook. Sadly, he learned the hard way—when the coverage he thought he had disappeared the moment he needed it most. The worst part? Had his routine colonoscopy revealed colon cancer, he would have faced not only a life-altering diagnosis but also an insurmountable financial burden. In hindsight, he would have been better off putting his monthly premium toward out-of-pocket medical expenses rather than paying for a plan with little to no coverage.
This is why it’s critical to know who you’re working with. Always verify credentials, understand precisely what your money is paying for, and work with someone who truly has your best interests at heart.
Too often, people spend more time selecting the perfect piece of fruit at the grocery store than they do, ensuring their health coverage will protect them in an emergency. Don't make that mistake. If you want someone who will read the fine print for you—and ensure you have coverage that actually works when you need it—let’s talk.
After leaving his job to launch his own business, an Illinois man opted for a six-month health insurance plan. When he needed a colonoscopy, he thought it would cover most of the bill. Then he learned his plan’s limited benefits would cost him plenty.
