Mulqueen Benefits Solutions

06/03/2026

⭐ PSA: A Word About “Ghosting” in Business
(A message from someone who still believes in respect, communication, and follow‑through.)

Lately, I’ve noticed a growing trend in business that I never saw in my 60 years on this planet — ghosting. And I’m not talking about dating. I’m talking about people who reach out for help, take up hours of time, energy, and expertise… and then vanish without a word.

In the past few weeks alone, I’ve had new insurance referrals and potential buyers for my home spend significant time with me — asking questions, reviewing quotes, going over health history, having me prepare applications, or scheduling home showings — only to disappear without so much as a simple, “Hey, I went another direction.”

I put a lot of care into what I do. When someone comes to me for insurance, I take the time to understand their needs and health history so I can determine whether I can genuinely help them. If I can’t, I tell them upfront — because I respect their time. But lately, I’ve spent an hour or more preparing quotes, answering questions, and even submitting applications on my end… only for the person to vanish when it’s time for them to sign.

Meanwhile, I have other clients — loyal clients who value my time — waiting for me. Clients who appreciate that I answer my phone after 5 PM and on weekends, when many in my industry shut down until Monday morning. Clients who have been with me since the beginning and continue to send referrals because they know I go the extra mile.

And it’s not just insurance. It’s happening with my home sale, too. I clean, prep, and rearrange my entire day for showings — sometimes even canceling Airbnb bookings, which costs me income — only for buyers to “ghost” without feedback, a thank you, or even basic courtesy. My realtor, a young mom of three, also loses time she could be spending with her family because someone couldn’t be bothered to communicate.

Here’s the truth:
A simple message goes a long way.
“Hey, I found a policy elsewhere.”
“We chose a different home.”
“Thank you for your time.”

That’s it. That’s all it takes.

Respect is free. Communication is free. And both matter — especially to those of us who take pride in our work and genuinely care about the people we serve.

So please, if you reach out to someone for help — whether it’s insurance, real estate, or any service — remember that we have people counting on us, too. We juggle schedules, rearrange our days, and pour our energy into helping you. If you’re not going to follow through, just say so. It’s kinder than silence.

To my wonderful clients who DO respect my time: thank you. You’re the reason I love what I do.

To the rest…
If you can’t communicate or follow through — kindly, go away.
LOL. End of rant.

05/30/2026

⭐ When a Referral Becomes a Red Flag: A Real‑World Lesson in Trust and Transparency

There’s a special kind of frustration that happens when a trusted referral comes your way… and instead of feeling relieved to have found a reputable agent, the client immediately starts comparing you to someone selling a Cigna‑branded indemnity plan disguised as “real insurance.” That’s exactly what happened this week. A client was referred to me for help choosing solid, reliable coverage. I quoted her BCBS Major Medical and Allstate Aetna PPO Short‑Term — actual medical plans with real networks, real protections, and real coverage. Meanwhile, another agent was pitching her a Great American plan with a 3rd‑party administrator using the Cigna name, which is simply a fixed‑benefit indemnity plan dressed up to look like something it isn’t.

As I walked her through the differences — what is true major medical, what is private PPO, and what is just a cash‑benefit supplement — she kept circling back to the other agent’s pitch. She was convinced that because the brochure said “Cigna,” it must be the same as the BCBS plan I was showing her. I explained, gently but firmly, that Cigna is not the insurer, Cigna is not paying claims, and Cigna is not providing a network. Great American is the insurer, and the product is a supplement, not a health plan. I broke it down in plain English, the way I always do, because my job is to protect people from ending up under‑insured and blindsided by bills. But sometimes, even when you’re the one telling the truth, the client wants to believe the prettier lie.

Eventually, I had to say the hardest — but most honest — thing an ethical agent can say:

“If you don’t trust me, the other agent may be a better fit for you.”
Not because he was right. Not because his plan was better. But because trust is the foundation of this work, and without it, no amount of expertise matters. I don’t compete with agents who misrepresent coverage. I don’t match their tactics. And I don’t chase clients who are determined to believe a marketing label over a licensed professional explaining the facts.

Most referrals are wonderful — but every now and then, you get one who reminds you that not everyone is ready to hear the truth, even when they asked for it. And that’s okay. My job is to advocate for the people who are ready, and to keep doing what’s right, even when it’s not the easy route.

For "Insurance Insight with Integrity" Contact me for Free help to see and hear the difference!

Mobile: 570-575-8649
email: [email protected]

05/29/2026

Are you currently without Health Insurance?
COBRA too expensive?
Will you be losing your current coverage soon?
✅Avoid being bombarded by telemarketers and call centers
✅Shop personalized and affordable plans from many companies
✅You'll only be speaking with me

Call for FREE help (570)-575-8649

05/24/2026

"Help & Insight with Integrity"....Going Above and Beyond for Our Clients! Call today for free help!

05/23/2026

Always working for my clients!

05/22/2026

💼 Full‑Service Health Insurance Broker

I’m available to my clients after 5 PM and on weekends — because real life doesn’t stop at 5 o’clock. My role goes far beyond selling insurance. I guide, educate, and advocate for my clients when the medical system fails them — and it often does. *I am available 9am-9pm Monday - Fridays and Weekends to assist.

🏥 The Problem

Hospitals and doctors are increasingly outsourcing billing to third‑party medical billing companies that have no connection to the actual practice or hospital. These companies frequently use incorrect CPT and DSM codes, causing insurance denials or reduced coverage.

🔍 What I Do Differently

I personally review my clients’ medical bills and invoices to ensure accuracy. My background in medical billing, dental offices, and a Cigna call center gives me the expertise to spot errors that others miss.

• Example: A long‑term patient was billed as a “New Patient” for an annual pelvic exam — $600 instead of the usual $175–$300.

• I identified the incorrect CPT code, advised her on the correct one, and her OB/GYN’s office had to honor the change.

• That correction saved her hundreds of dollars and ensured proper coverage.

This is what sets me apart from other brokers — I work for my clients and advocate for them.

💡 Real‑World Example

This morning, I reviewed a client’s bill for a $923 mammogram — an outrageous charge for a preventive screening. (*See Photo - client's name is removed and Hospital)

• Typical cost: $150–$250 for 2D, $250–$600 for 3D.

• The hospital billed both a 2D and a 3D screening without informing the patient, doubling the cost.

• Insurance covered only $295 because of the inflated billing.

• Stand‑alone imaging centers are almost always more cost‑effective and better covered than hospital imaging departments.

📣 My Message to Clients

Please reach out before procedures or after receiving invoices so I can review them with you.

• I’ll verify that the correct CPT and DSM codes are used.

• I’ll contact the provider or insurance company on your behalf if there’s an error.

• I’ll make sure you’re not overcharged or denied coverage due to billing mistakes.

❤️ I’m Here to Help

The medical system may be broken — but you don’t have to navigate it alone.

I’m your advocate, your guide, and your broker who truly works for you.

📞 Contact Me Today for a Free Consult

Mobile: 570‑575‑8649

Email: [email protected]

05/21/2026

https://www.facebook.com/share/v/1EUtyMhRBi/?mibextid=wwXIfr

05/18/2026

GREAT PRODUCT FROM ONE OF OUR CLIENT'S!
https://www.facebook.com/share/p/1Gy6RyfNZs/

✨ ANNOUNCEMENT OF OUR NEW PRODUCT: Grandma Marg’s Pine Tar Soap for Eczema & Psoriasis

Grandma Marg’s Pine Tar Soap is a small‑batch, heritage‑inspired bar crafted from a proprietary Celtic Crest recipe passed down through generations. Designed for those who struggle with eczema, psoriasis, acne, or sensitive skin, this bar brings together time‑honored ingredients known for their soothing, skin‑supportive properties.

🌿 Why This Proprietary Blend Works So Well

*Pine Tar — Traditionally used to calm red, itchy, or flaky skin. Helps support the skin barrier and reduce irritation.

*Myrrh Essential Oil — Naturally soothing and antimicrobial, helping keep troubled skin clean and balanced.

*Goat’s Milk — Rich in vitamins and fats that deeply moisturize dry, stressed skin.

*Bentonite Clay — Gently draws out impurities while calming inflammation.

This proprietary recipe is carefully balanced to create a deep‑cleaning, conditioning, skin‑supportive bar without synthetic detergents, dyes, or harsh chemicals.

💛 Perfect For

*People managing eczema flare‑ups

*Those with psoriasis plaques

*Anyone with acne‑prone or irritated skin

*Folks who react to commercial soaps

*Customers who prefer natural, old‑world remedies

🌼 What Makes Grandma Marg’s Soap Special

*Crafted from a family recipe rooted in your grandmother’s wisdom

*Hand‑made in small batches at Celtic Crest Farm

*Built on simple, powerful botanicals your skin can understand

*No sulfates, parabens, or synthetic fragrances — just clean, heritage goodness

*$12 per Bar can be shipped via USPS with tracking for $7.95

*WILL BE AVAILABLE FOR PURCHASE ON OUR WEBSITE: www.celticcrestfarm.com

05/16/2026

🦷 LET’S TALK ABOUT DENTAL INSURANCE! 🦷
Is $50 a month worth it? Here’s the real math.

Why People Ask This Question
A client recently asked me if a $50/month PPO Dental plan was “worth it.”
My answer? It depends on your needs — but most people are shocked when they see the numbers.

What You Get for $600 a Year
A $50/month PPO plan = $600 per year.
Now compare that to the real cost of routine dental care:

Cleanings: $90–$200 each

Dental Exams: $50–$200

Full‑Mouth X‑rays: $100–$300

Most PPO plans cover all of this at 100% because it’s considered Preventive Dentistry.

👉 Your two cleanings, exam, and X‑rays alone can exceed your annual premium.

Coverage Breakdown
Preventive Care — 100%

Cleanings

Exams

X‑rays

Basic Services — 80%

Fillings

Simple extractions

Major Services — 20% in Year 1, 50% in Year 2

Crowns

Implants

Bridgework

Complex extractions

No Waiting Periods With the Carriers I Use
I work with PPO carriers that do NOT make you wait a year for major services:

Aetna Dental PPO

Allstate Dental PPO

United Concordia

Connection Dental

DenteMax

I avoid carriers that delay your care — like Delta Dental, which often requires a 12‑month wait for major work.

Why Work With an Agent?
Dental insurance isn’t “one size fits all.”
A knowledgeable agent helps you:

Choose a plan you can actually use

Avoid cheap plans with poor coverage

Make sure your premium is worth it

Understand your benefits clearly

My guidance is always free — I’m compensated by whichever carrier is the best fit for you.

Need Help Choosing the Right Plan?
I’m here to make it simple, clear, and cost‑effective.

05/12/2026

Congratulations to McLain Ward on his great success this past weekend at old Salem Farm!