Tabitha Aguigui - Licensed Broker Agent

06/01/2026

Your Health Insurance Claim Got Denied. Now What?

It’s like a punch in the gut. You visit a specialist or have a medical procedure done only to find your health insurer has denied your claim in a nondescript letter received in the mail. You went to the doctor, did everything you were supposed to do, and now, they say they are not going to pay.

05/25/2026

What Happens to Your Life Insurance Policy During a Divorce?

Divorce is one of the most stressful life events a person can go through, and between splitting assets, updating accounts, and navigating legal paperwork, life insurance is easy to overlook. But overlooking it can lead to serious, lasting consequences.

05/18/2026

What Is Medicare, Really? A Plain-Language Breakdown for Anyone Approaching 65

If you are getting close to age 65, you have probably heard the word Medicare more times than you can count. But for something so widely mentioned, it can feel surprisingly confusing when you actually sit down to figure out what it covers, what it costs, and what you need to do.

05/11/2026

HSA vs. FSA: Which Tax-Advantaged Account Is Right for You?

Health care costs continue to climb, making it more important than ever to make the most of every tax break available to you. Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) both let you set aside pre-tax dollars for medical expenses, but they work very differently and suit diff...

05/04/2026

Life Insurance in Your 20s: Why Starting Early Pays Off Big

04/27/2026

Debunking the Top 7 Life Insurance Myths

Life insurance is one of the most misunderstood financial products out there. Misconceptions keep millions of families from getting the coverage they need, often until it's too late. Let's set the record straight.

04/20/2026

Red State, Blue State, High-Rate State: The Politics Behind Your Premium

Your health insurance premium might have less to do with your health and more to do with how your state voted in the last election. Across the country, the political decisions made by governors and state legislatures have a measurable impact on what residents pay for coverage and whether they can ac...

04/13/2026

The Patchwork Problem: How 50 States Created 50 Different Health Insurance Markets

If you've ever moved across state lines and watched your health insurance premium jump or drop dramatically, you've experienced the patchwork problem firsthand. The United States doesn't have one health insurance market. It has fifty, each shaped by decades of political decisions, local economics, a...

04/06/2026

The Stay-at-Home Parent's Guide to Life Insurance

When families talk about life insurance, the conversation almost always centers on the breadwinner. But the stay-at-home parent, the one managing childcare, meals, schedules, and the household, needs coverage, too. Their absence wouldn't just be an emotional loss. It would be a financial one.

03/30/2026

The “Free Preventive Care” Myth: What’s Actually $0, and What Still Costs You

One of the most commonly misunderstood benefits in health insurance is “free preventive care.” Many people schedule their annual physical believing the visit will cost nothing, only to receive a bill weeks later for lab work, imaging, or a follow-up consultation.