Benefits

Castaway - A Real Life Insurance Scenario

Castaway – A Real Life Insurance Scenario

We’ve all seen Castaway, right?

Tom Hanks’ plane crashes, he ends up stranded on a deserted tropical island for four years with an inanimate volleyball named Wilson as his only friend and courageously sails his way off the island.

Now, I don’t consider myself to be an emotional crybaby but the scene where Tom Hanks realizes he can’t swim to save Wilson and apologizes profusely to a blood-faced volleyball always causes me to ugly cry.

Every. Single. Time.

But it got me thinking.

What happens to your life insurance policy?


Interested in getting your life insurance policy set up? Check out my life insurance page!

Medical insurance cards

New Health Insurance, Now What?

New Health Insurance, Now What?

1. Understand your Health Care Coverage

Take some time to acquaint yourself with the costs and fees of your shiny, new policy. The points of your policy you’ll want to know inside and out are: co-pays, emergency room fees, prescription coverage and your annual deductible. Understanding these fees and terms will help you in making good financial and health decisions.

For example, if you’ve already met your deductible for the year and your doctor wants to take care of some routine matters, great! It makes sense to have them done in the year your deductible has been met. 

2. Take control of your health

Most insurance companies reward those who have healthy habits and take preventive health measures seriously.  Make it a point to find out what healthy perks are available to you as a policy holder. From gym memberships to fitness trackers and even discounts on other healthy living products and services — you could be paying for something out of pocket that your insurance policy will cover! 

3. Choose your Primary Care Provider

Not all plans require a designated primary care physician but even if they don’t it’s worth searching online to see who’s in network and covered by your new plan. It can be a costly mistake to schedule an appointment with a physician you’ve seen in the past who may now be out of your network. Plus, putting in the work upfront puts you in the driver’s seat of your health. You’ll be confident and prepared when you have to go in rather than scrambling at the last minute to locate a physician when you really need to see one. 

4. Be Prepared For Your First Visit

If this is your first time seeing a new physician know your family history and have a list of your current medications ready. Also, take the time to make a list of any health concerns, questions, and take notes. This is the time to establish a relationship with your doctor. 

Bearded Benefits Guy - Justin Wilfley

What is Open Enrollment?

It’s me, Justin. Your bearded benefits guy. Changing it up a bit today. Usually, I’m talking to business owners. The people setting up the benefits plans. But today, I’m talking to everyone else. That means you. The person using the benefits plan. Why? Two words: open enrollment.

In this video, Justin Wilfley breaks down small group health insurance and explains what you need to know.

Small Group Health Insurance and What You Need to Know

There are a lot of things to talk about when it comes to purchasing Small Group Health Insurance. And it’s a dangerous minefield of acronyms. Our Bearded Benefits Guy, Justin Wilfley, is going to break it down for you in the way that only he can do!