Covering You For Life - Michael Taylor and Heather Erdei, LUTCF

10/31/2026

Wishing you and your little goblins a safe and FA-BOO-LOUS Halloween! Happy Haunting!

10/30/2026

If you’re worried about your newly licensed teenager getting behind the wheel of a car, you’re not alone. Here are some tips to help your teen drive safely:

When your teenager starts driving, you’ll want to help them be safe behind the wheel. Share these tips with your teen driver.

10/28/2026

Annuities can provide the growth and protection you need to meet your retirement income goals. Contact me to learn more.

10/26/2026

Have you thought about your estate strategy? Wills are a good place to start and make sure your final wishes are met.

Source: investopedia.com, June 10, 2026 This post is not a replacement for real life advice, so make sure to consult your legal or tax professional before modifying your estate strategy.

10/23/2026

Some hospitals and medical providers are asking patients to pay more before receiving non-emergency care.

The trend comes as deductibles, coinsurance, and other out-of-pocket costs continue to rise.

Traditionally, many patients received bills after treatment. Now, some providers are collecting preservice deposits based on their estimate of what a patient may owe.

A KFF Health News report noted that the average deductible for employer-sponsored family coverage is $3,762 per person. The average deductible for Affordable Care Act marketplace coverage rose 37% this year to $3,786.

For patients, upfront payment requests can create confusion, especially when insurance networks, deductibles, and estimated costs are unclear.

Emergency care has different rules. Hospitals that accept Medicare funding cannot demand upfront payment before stabilizing a patient who arrives at an emergency room.

For non-emergency care, it may be worth asking for an itemized estimate, confirming network status, and checking with the insurance company before making a large payment.


Source:

Hospitals and other medical providers are increasingly asking for payment before providing care, collecting more of what patients might owe.

10/21/2026

Are you interested in finding, renewing, or updating your health insurance coverage? The Affordable Care Act marketplace open enrollment begins November 1st. Check out healthcare.gov for more information.

10/19/2026

Do you have a backup plan for injury and illness? Call today and we can assess your needs.

10/16/2026

Get Smart About Credit Day is a great reminder about the importance of healthy credit behaviors! If your credit is a mess, start today with the task of putting it back in order.

10/14/2026

A property you own might be empty for a number of reasons, and the difference between the home being unoccupied and vacant makes a difference when it comes to the coverage you need. Read more here:

There are a number of scenarios where you might find your home empty for a certain period of time, and it's important to make sure you have the protection you need in the event of unexpected damage. Learn the difference between a vacant and unoccupied home, scenarios where additional coverage might....

10/12/2026

Successful business owners are thinking outside the box when it comes to employee benefits. Offering long-term care (LTC) coverage can set you apart from your competitors while leveraging additional tax advantages.