Crawford Benefits

Spring Reset

Thu, 09 Apr 2026 13:00:00 GMT

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Spring Reset: Declutter Your Space, Refresh Your Goals, and Build New Routines That Stick

Spring has a way of making everything feel possible again. The days get longer, the air feels lighter, and suddenly we’re itching to open windows, clean out closets, and start fresh. But a true spring reset goes deeper than just tidying your home- it’s about clearing mental clutter, realigning your goals, and creating routines that support the version of yourself you’re growing into.

If the start of the year felt rushed, overwhelming, or off-track, April is your second chance. Here’s how to approach a spring reset that feels intentional, energizing, and sustainable.

Step 1: Declutter Your Space (and Your Head)

Physical clutter has a sneaky way of creating mental noise. When your environment feels chaotic, it’s harder to focus, rest, or feel motivated. A spring reset starts with simplifying your surroundings, not by aiming for perfection, but by creating breathing room.

Start small and focused.

Instead of tackling your entire home in one weekend, choose one category or area:

• Your desk or workspace

• One closet or drawer

• Digital clutter (email inbox, desktop files, unused apps)

Set a timer for 20–30 minutes and commit to that window only. Momentum builds naturally once you start.

Use the “useful or meaningful” test.

As you declutter, ask:

• Do I use this regularly?

• Does this genuinely add value or joy?

• Would I notice if this were gone?

If the answer is no across the board, it’s probably time to let it go.

Don’t forget digital decluttering.

Spring reset isn’t just physical. Clear out:

• Old subscriptions

• Notifications that pull your attention

• Files and photos you no longer need

A cleaner digital space can instantly reduce background stress.

Step 2: Refresh Your Goals for This Season

Spring goals should feel lighter and more flexible than New Year’s resolutions. Instead of focusing on everything you should be doing, focus on what actually matters right now.

Review before you reset.

Take a moment to reflect:

• What goals did you set earlier this year?

• What’s working?

• What feels forced, outdated, or unrealistic?

Letting go of a goal that no longer fits is progress, not failure.

Shift from outcome-based to direction-based goals.

Instead of:

• “Lose 15 pounds”

• “Get a promotion”

• “Be more productive”

Try:

• “Move my body in ways I enjoy, 3–4 times a week”

• “Build skills that support my next career step”

• “Create mornings that feel calm and intentional”

Direction-based goals leave room for real life and reduce pressure.

Choose 1–3 priorities for the season.

Spring is about growth, not overload. Pick a small number of focus areas; health, creativity, finances, relationships. Then define what “better” looks like for each one.

Step 3: Build New Routines (That You’ll Actually Keep)

Fresh routines are the bridge between intention and action. The key is to make them realistic enough to survive busy days.

Anchor new habits to existing ones.

Instead of creating routines from scratch, stack them onto habits you already have:

• Stretch for 5 minutes after brushing your teeth

• Review your day while drinking your morning coffee

• Tidy one surface before bed

This lowers friction and makes routines easier to remember.

Think in seasons, not forever.

Your spring routine doesn’t have to work all year. Ask:

• What do I need more of this season?

• More energy? More movement? More structure? More rest?

Design routines that support spring energy; lighter meals, more outdoor time, earlier mornings, or creative resets.

Start embarrassingly small.

The goal is consistency, not intensity. Five minutes of journaling done consistently beats an hour you never repeat. You can always build later.

Step 4: Reset Your Mindset Alongside Your Schedule

A spring reset isn’t just about doing more, it’s about doing things differently.

Release “all-or-nothing” thinking.

Missed a day? Had an off week? That doesn’t cancel your progress. Resetting is something you can do anytime, not just on Mondays or the first of the month.

Create space for curiosity.

Instead of judging what isn’t working, get curious:

• Why does this routine feel heavy?

• What part of my day drains me the most?

• What would make this feel 10% easier?

Small adjustments can lead to big shifts.

Celebrate quiet wins.

Spring growth is often subtle. Notice:

• Increased clarity

• Slightly better energy

• Less resistance to starting tasks

These are signs your reset is working.

Step 5: Carry the Reset Forward

A spring reset isn’t about achieving a perfect system; it’s about creating alignment. As the season unfolds, check in with yourself:

• Does this still feel supportive?

• What needs tweaking?

• What can I simplify even more?

Growth doesn’t have to be loud or dramatic. Sometimes it looks like less clutter, clearer priorities, and routines that make daily life feel a little more easeful.

This spring, give yourself permission to reset gently. Clear what no longer serves you, choose goals that feel alive, and build routines that meet you where you are. That’s how real, lasting change begins.

Do You Need Medicare If You're Still Working at 65?

Mon, 06 Apr 2026 13:01:45 GMT

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Do You Need Medicare If You’re Still Working at 65?

Turning 65 is a major milestone, and for many people, it also raises an important question: Do I need to enroll in Medicare if I’m still working?

The answer depends on your specific situation, including the size of your employer and the type of coverage you have. Making the wrong decision can lead to late enrollment penalties or gaps in coverage, so it’s important to understand your options.

Let’s break it down in simple terms.

Understanding Medicare Basics

Medicare is a federal health insurance program primarily for people age 65 and older, as well as certain younger individuals with disabilities. Medicare includes:

• Part A – Hospital coverage

• Part B – Medical coverage (doctor visits, outpatient care)

• Part D – Prescription drug coverage

• Part C (Medicare Advantage) – An alternative to Original Medicare offered by private insurers

Most people qualify for premium-free Part A if they (or their spouse) paid Medicare taxes for at least 10 years.

Scenario 1: You Work for a Large Employer (20+ Employees)

If you are still working at age 65 and your employer has 20 or more employees, your employer coverage is considered primary. This means your group health plan pays first, and Medicare would pay second if you enrolled.

In this situation, you generally have options:

Part A

Many people enroll in Medicare Part A at 65, even if they are still working, because it’s usually premium-free. Since there’s no monthly cost for most people, enrolling can provide secondary hospital coverage.

However, if you contribute to a Health Savings Account (HSA), enrolling in any part of Medicare (even Part A) will affect your ability to continue contributing to your HSA. This is an important detail many people overlook.

Part B

You can usually delay enrolling in Part B without penalty if you have credible employer coverage from a large employer. When you eventually retire or lose employer coverage, you’ll qualify for a Special Enrollment Period to sign up for Part B.

Scenario 2: You Work for a Small Employer (Fewer Than 20 Employees)

If your employer has fewer than 20 employees, Medicare generally becomes your primary coverage at age 65.

In this case, you typically need to enroll in both Part A and Part B when you first become eligible. If you don’t, your employer plan may not pay for services that Medicare would have covered. This could leave you responsible for significant medical bills.

This is where many costly mistakes happen. People assume their employer coverage works the same regardless of company size, but it doesn’t.

What Happens If You Delay Medicare Incorrectly?

Delaying enrollment without qualifying coverage can result in:

1. Part B Late Enrollment Penalty

If you don’t enroll in Part B when required, you may face a penalty that increases your premium by 10% for every 12-month period you were eligible but didn’t enroll. This penalty can last for as long as you have Medicare.

2. Part D Late Enrollment Penalty

If you don’t have credible prescription drug coverage and delay enrolling in Part D, you may also face a lifetime penalty.

These penalties are avoidable, but only if you understand your coverage situation clearly.

What About Spousal Coverage?

If you’re covered under your spouse’s employer plan, the same rules apply:

• If your spouse works for a company with 20 or more employees, you may be able to delay Part B without penalty.

• If the company has fewer than 20 employees, Medicare likely becomes primary at 65.

Always verify with the employer’s HR department how coverage coordinates with Medicare.

Should You Enroll in Part A While Working?

Many people choose to enroll in Part A at 65 because it’s premium-free and can provide secondary hospital coverage. However, if you are contributing to an HSA, you may want to delay Part A enrollment.

Once enrolled in Medicare, you can no longer contribute to an HSA. Additionally, Medicare Part A coverage can be retroactive for up to six months when you enroll after 65, which can create unexpected tax complications if you’ve continued HSA contributions.

It’s wise to speak with a financial or insurance professional before making this decision.

When You Retire After 65

If you delay Part B because you had qualifying employer coverage, you’ll receive a Special Enrollment Period when you retire or lose coverage.

This period allows you to enroll in Part B (and Part D, if needed) without penalties. It’s important to act promptly, the enrollment window is limited.

Once enrolled, you can then decide whether to stay with Original Medicare or choose a Medicare Advantage or Supplement plan to enhance your coverage.

Key Questions to Ask Yourself

If you’re turning 65 and still working, consider:

• How many employees does my employer have?

• Is my employer coverage considered creditable?

• Am I contributing to an HSA?

• What will my retirement timeline look like?

• What are my total premium costs comparing employer coverage vs. Medicare?

Answering these questions will help you make an informed decision rather than guessing.

The Bottom Line

You don’t automatically need to enroll in all parts of Medicare at 65 if you’re still working, but whether you should depends on your employer size, type of coverage, and financial situation.

The biggest risks come from assuming your employer coverage works the same in every situation. Understanding when Medicare becomes primary and how to avoid penalties is essential.

If you’re approaching 65 and unsure what to do, reviewing your options ahead of time can save you from unnecessary costs and stress. Medicare decisions may feel complicated, but with the right guidance, you can transition confidently and avoid costly mistakes. Keep in mind that the enrollment process for original Medicare can take 60-90 days from the date of submission, so plan accordingly.

Spring Into Health: Why March Is the Perfect Time to Understand Your Coverage

Fri, 06 Mar 2026 14:00:00 GMT

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Spring Into Health: Why March Is the Perfect Time to Understand Your Coverage

March represents a shift. The days are getting longer, routines begin to change, and many people start thinking about spring goals such as more movement, better habits, and taking care of things they may have put off during the winter months. It’s also one of the best times of year to check in on your health and make sure your insurance coverage is still working for you.

Many people associate insurance decisions with specific enrollment seasons, but staying covered and staying healthy is a year-round responsibility. A spring review can help prevent surprises, close coverage gaps, and give you confidence moving forward into the rest of the year.

Why Spring Is a Natural Time for a Health Reset

Winter often brings busy schedules, holidays, and illnesses that push preventive care to the bottom of the to-do list. By the time March arrives, many people are overdue for routine appointments or unsure how their current coverage works.

Spring offers a chance to reset. Scheduling checkups, reviewing prescriptions, and understanding your benefits now can help you stay proactive rather than reactive. Preventive care is designed to catch issues early, when treatment is often simpler, less expensive, and more effective.

Understanding Preventive Care and Your Benefits

One of the most commonly overlooked aspects of health insurance is preventive care. Many plans cover services like annual physicals, routine screenings, and wellness visits at little or no cost when you use in-network providers. These services are meant to help you stay healthy, not just treat illness after it appears.

Knowing what your plan includes allows you to take advantage of these benefits confidently. If you’re unsure what’s covered or when you’re eligible for certain services, a quick review can provide clarity and help you plan ahead.

Life Changes Can Impact Coverage

Spring often brings life changes; new jobs, growing families, income changes, or shifts in routines. Even small changes can impact whether your current coverage is still the best fit.

A job change might affect provider networks or prescription coverage. A growing family can change coverage needs entirely. Reviewing your plan during times of transition helps ensure your coverage continues to support your health and financial goals.

Why Reviewing Coverage Now Matters

Waiting until something goes wrong to understand your insurance can lead to unnecessary stress and unexpected costs. Reviewing your coverage now allows you to ask questions, confirm details, and make informed decisions before you need care.

Some key things to check include:

• Are your doctors still in-network?

• Are your prescriptions covered at the most affordable level?

• Do you understand your deductible, copays, and out-of-pocket costs?

• Does your plan still align with your current health needs?

These questions are easier to address when you’re not facing an urgent situation.

Mental and Emotional Health Matters Too

Health isn’t just physical. Seasonal changes can affect mood, energy levels, and mental well-being. Many health plans include mental health benefits that are underutilized simply because people aren’t aware they’re available.

March is a good time to evaluate whether your coverage includes access to counseling, therapy, or virtual visits that support emotional well-being. Taking care of mental health is just as important as scheduling physical checkups, and both contribute to overall wellness.

Planning Ahead for the Rest of the Year

A spring coverage review isn’t about making changes for the sake of change. It’s about understanding where you stand and planning ahead. When you know how your coverage works, you’re better prepared for travel, unexpected illness, or future milestones.

This proactive approach helps reduce uncertainty and allows you to focus on enjoying the season instead of worrying about what might happen.

Small Steps Make a Big Difference

You don’t have to do everything at once. Scheduling one appointment, reviewing one benefit, or asking one question is a meaningful step toward better health management. Over time, these small actions build confidence, reduce stress, and support long-term well-being.

March is a reminder that progress doesn’t have to be dramatic to be effective. A little attention now can prevent bigger problems later.

Moving Into Spring with Confidence

As the seasons change, taking time to check in on your health and your coverage is one of the most practical ways to care for yourself and your family. Understanding your insurance, using preventive benefits, and planning ahead helps you move into spring feeling prepared and supported.

If you have questions about your health coverage, preventive care benefits, or whether your current plan still fits your needs, we are here to help. Give our office a call if you have any questions about your benefits. Staying informed is one of the most powerful tools you have when it comes to protecting your health this spring and beyond.

How to Properly Access and Use Your Health Plan Portal

Wed, 04 Mar 2026 14:00:06 GMT

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How to Properly Access and Use Your Health Plan’s Online Portal

In today’s digital-first world, your health plan’s online portal is one of the most powerful tools available to help you manage your healthcare. From reviewing benefits and finding providers to tracking claims and downloading important documents, online member portals are designed to make healthcare more convenient and transparent. However, many members either don’t know how to access their portal or aren’t using it to its full potential. Learning how to properly access and navigate your health plan’s online portal can save you time, reduce frustration, and help you take control of your health.

What Is a Health Plan Online Portal?

A health plan online portal is a secure website or mobile app provided by your insurance carrier. It gives members 24/7 access to their plan information in one centralized location. While features vary by insurer, most portals allow you to view coverage details, manage personal information, communicate with your health plan, and access wellness tools.

If you’ve ever waited on hold to ask a simple question about your benefits, the portal can often provide those answers instantly.

Step 1: Gather What You Need Before You Start

Before registering, have a few key items ready. You’ll typically need:

• Your health insurance ID card

• Your member ID number

• Personal information such as your date of birth and ZIP code

• An email address you can access regularly

Using a personal email address rather than a shared one helps keep your information secure and ensures you receive important plan notifications.

Step 2: Register for an Account

Visit your insurance carrier’s official website and look for a link labeled “Member Login,” “Register,” or “Create an Account.” If your plan offers a mobile app, you can also download it from the App Store or Google Play and register there.

During registration, you’ll create a username and password. Choose a strong password that includes a mix of letters, numbers, and symbols, and avoid using the same password you use for other accounts. You may also be asked to set up security questions or enable two-factor authentication for added protection.

Once registered, you’ll typically receive a confirmation email to verify your account.

Step 3: Log In and Explore the Dashboard

After logging in, you’ll be taken to your member dashboard. This is the home screen of your portal and provides an overview of your plan. Common sections include:

• Coverage and benefits

• Claims and explanations of benefits (EOBs)

• Digital ID cards

• Provider search tools

• Prescription drug information

Take a few minutes to click through each section so you know where to find things when you need them. Familiarity now can save stress later.

Step 4: Learn How to Use Key Features

View benefits and coverage

The portal breaks down what your plan covers, including copays, deductibles, and out-of-pocket maximums. This is especially helpful before scheduling appointments or procedures.

Check claims and costs

You can track claims as they are processed and review EOBs to understand what was billed, what your plan paid, and what you may owe. This helps you catch errors early and avoid surprises.

Find in-network providers

Most portals include a provider search tool that helps you find doctors, specialists, hospitals, and pharmacies that are in-network, saving you money and ensuring coverage.

Access digital ID cards

If you forget your physical insurance card, your digital ID card can usually be accessed or downloaded directly from the portal. Did you know that some carriers are no longer sending physical ID cards? The online portal may be the only way to access your member ID.

Manage prescriptions

Many portals allow you to review covered medications, find lower-cost alternatives, and connect with mail-order pharmacy services.

Step 5: Use Wellness and Support Tools

Beyond basic plan information, many portals include wellness resources such as:

• Preventive care reminders

• Health assessments

• Fitness and incentive program tracking

• Telehealth access

• Care management or nurse support lines

These tools are often underused but can add significant value to your health plan.

Step 6: Keep Your Information Updated

Make sure your contact information, address, and communication preferences are current. This ensures you receive important notices, plan updates, and benefit reminders without delays.

Step 7: Know Where to Get Help

If you have trouble registering or navigating the portal, look for a “Help,” “Support,” or “Contact Us” section. Most insurers offer step-by-step guides, FAQs, or customer service support to assist you. Our office may also be able to assist, if needed.

Why Using Your Portal Matters

Your health plan’s online portal puts important information at your fingertips and helps you make informed decisions about your care. By learning how to properly access and use it, you can avoid unnecessary calls, better understand your benefits, and feel more confident managing your healthcare.

Taking a little time to set up and explore your portal today can lead to smoother, smarter healthcare experiences tomorrow.

Making the Most of Your Health Plans Fitness Benefits

Mon, 09 Feb 2026 14:00:06 GMT

Making the Most of Your Health Plan: How to Use Fitness Benefits Like SilverSneakers and Incentive Programs

Staying active is one of the most powerful ways to protect your long-term health, but gym memberships, fitness classes, and wellness programs can add up quickly. What many people don’t realize is that their health insurance plan may already include valuable fitness benefits at little or no cost. Whether you have access to a SilverSneakers® membership through Medicare or participate in an incentive-based wellness program through an individual or group health plan, these benefits are designed to help you stay active, engaged, and healthy. Understanding how to use them can make a meaningful difference in both your physical well-being and your wallet.

What Are Fitness Benefits in Health Plans?

Fitness benefits are programs or reimbursements offered by health insurers to encourage physical activity and healthier lifestyles. These benefits vary by plan but often include gym memberships, fitness classes, online workouts, health coaching, or rewards for completing wellness activities. The goal is simple: support preventive care and reduce long-term health risks by making healthy choices more accessible.

Two of the most common types of fitness benefits are SilverSneakers for Medicare members and incentive-based wellness programs for individual and employer-sponsored (group) health plans.

Understanding SilverSneakers

SilverSneakers is a popular fitness program included with many Medicare Advantage and some Medicare Supplement plans. It is designed specifically for older adults and focuses on improving strength, balance, flexibility, and overall fitness.

With a SilverSneakers membership, eligible members often receive:

• Free access to thousands of participating gyms and fitness centers nationwide

• Group fitness classes tailored to different ability levels

• Online workout videos and on-demand classes for at-home use

• Social opportunities that promote community and accountability

One of the biggest advantages of SilverSneakers is flexibility. You can visit multiple participating gyms, try different classes, or exercise at home, whatever fits your comfort level and schedule. If you’re managing a chronic condition or returning to exercise after a long break, the program offers a supportive, low-pressure environment to get moving safely. To check your eligibility, go to www.silversneakers.com and enter your information.

Fitness Incentive Programs in Individual and Group Plans

For those with individual or employer-sponsored health plans, fitness benefits often come in the form of incentive programs. These programs reward healthy behaviors rather than offering a traditional gym membership.

Common incentives include:

• Premium discounts or contributions to health savings accounts (HSAs)

• Gift cards or cash rewards for completing wellness activities

• Points-based systems that can be redeemed for merchandise or services

• Reimbursements for gym memberships, fitness trackers, or classes

Activities that earn incentives may include completing a health risk assessment, tracking daily steps, attending preventive screenings, participating in fitness challenges, or enrolling in health coaching programs.

These programs are designed to meet people where they are. Whether you prefer walking, yoga, strength training, or even mindfulness practices, many plans allow a wide range of activities to count toward rewards.

Why You Should Use These Benefits

Fitness benefits aren’t just “extras”. They are tools to help you invest in your health with less financial burden. Regular physical activity can lower the risk of heart disease, diabetes, obesity, and depression, while also improving energy, mobility, and sleep quality.

For employers and insurers, these programs help reduce healthcare costs. For members, they offer motivation, accountability, and access to resources that might otherwise feel out of reach. When you use your fitness benefits, you’re maximizing the value of your health plan while taking proactive steps toward better health.

Tips for Getting Started

1. Review your plan details

Log in to your insurance portal or review your benefits summary to see what fitness programs are available. If you’re unsure, your insurer’s customer service team or benefits administrator can help clarify eligibility.

2. Choose what fits your lifestyle

The best program is one you’ll actually use. If you enjoy social interaction, group classes or gym access may be ideal. If you prefer flexibility, online workouts or step-tracking challenges may be a better fit.

3. Start small and build consistency

You don’t need to overhaul your routine overnight. Start with achievable goals, such as two workouts per week or a daily step target and increase gradually.

4. Track your participation

Many incentive programs require activity tracking or documentation to earn rewards. Make sure you understand how and when to log your activities so you don’t miss out.

5. Use added support

Take advantage of wellness coaching, educational resources, or fitness assessments if they’re included. These tools can help you stay motivated and exercise safely.

Turning Benefits into Better Health

Your health plan is more than coverage for doctor visits; it’s a partner in your wellness journey. Whether through a SilverSneakers membership or a fitness incentive program, these benefits are opportunities to stay active, reduce health risks, and feel your best.

By taking the time to understand and use what’s already available to you, you can turn everyday movement into long-term health gains. The first step is simply getting started and your health plan may already be there to support you. If you aren’t sure what your plan has to offer, contact our office at 706-257-5073 and we may be able to check that for you.

Heart Health Month

Fri, 06 Feb 2026 11:03:59 GMT

Heart Health Month: Steps You Can Take to Protect Your Heart and Manage Heart Conditions

Every February, Heart Health Month serves as an important reminder to focus on one of the body’s most vital organs: the heart. Heart disease remains one of the leading causes of illness and death worldwide, yet many heart-related conditions are preventable or manageable with the right lifestyle choices and medical care. Whether you’re aiming to keep your heart healthy or already living with a heart condition, small, consistent steps can make a meaningful difference.

Why Heart Health Matters

Your heart works nonstop, pumping blood, oxygen, and nutrients throughout your body. When it’s not functioning optimally, the effects can ripple across every system. Conditions such as high blood pressure, high cholesterol, coronary artery disease, and heart failure often develop gradually and may not cause noticeable symptoms at first. That’s why prevention, early detection, and ongoing management are so important.

Heart Health Month is not about drastic changes or fear-based messaging. It’s about empowerment. Understanding risk factors and how taking practical steps can significantly reduce complications and improve quality of life.

Steps to Maintain a Healthy Heart

1. Eat with your heart in mind

A heart-healthy diet emphasizes whole, nutrient-dense foods. Focus on fruits, vegetables, whole grains, lean proteins, legumes, nuts, and healthy fats like olive oil. Limiting processed foods, excess salt, added sugars, and saturated or trans fats can help regulate blood pressure and cholesterol levels. You don’t need perfection, just aim for balance and sustainability.

2. Move your body regularly

Physical activity strengthens the heart muscle, improves circulation, and helps manage weight, stress, and blood sugar. The goal for most adults is at least 150 minutes of moderate-intensity exercise per week, such as brisk walking, cycling, or swimming. If you’re new to exercising or managing a condition, start slowly and build up over time.

3. Prioritize quality sleep

Sleep is often overlooked, yet it plays a major role in heart health. Poor or insufficient sleep is linked to high blood pressure, obesity, and diabetes. Aim for 7–9 hours of quality sleep per night and maintain consistent sleep and wake times when possible.

4. Manage stress effectively

Chronic stress can raise blood pressure and contribute to unhealthy coping behaviors like overeating or smoking. Incorporating stress-reducing practices such as deep breathing, meditation, yoga, journaling, or spending time outdoors can help protect your heart and improve overall well-being.

5. Avoid tobacco and limit alcohol

Smoking significantly increases the risk of heart disease and stroke. Quitting is one of the most powerful steps you can take for your heart, regardless of age. Alcohol should be consumed in moderation, as excessive intake can raise blood pressure and contribute to heart damage.

Managing an Existing Heart Condition

If you’re already living with a heart condition, Heart Health Month is an opportunity to reassess your management plan and reinforce healthy habits.

Stay consistent with medical care

Regular checkups, screenings, and lab tests help track your condition and detect changes early. Take prescribed medications exactly as directed and never stop or adjust them without consulting your healthcare provider.

Know your numbers

Understanding key metrics such as blood pressure, cholesterol levels, blood sugar, and body weight empowers you to take an active role in your care. Keeping a simple log can help you and your provider spot trends and make informed decisions.

Follow a condition-specific lifestyle plan

Different heart conditions may require tailored approaches. For example, someone with heart failure may need to closely monitor sodium intake and fluid levels, while someone with atrial fibrillation may focus on heart rhythm management and stroke prevention. Ask your healthcare team for clear, personalized guidance.

Build a support system

Managing a chronic condition can be emotionally challenging. Support from family, friends, patient groups, or counselors can reduce stress and improve adherence to treatment plans. You don’t have to do it alone.

Small Changes, Lasting Impact

Heart health isn’t about a single month, it’s a lifelong commitment. The good news is that even modest changes, when practiced consistently, can lead to significant benefits. Taking a daily walk, choosing water over sugary drinks, cooking more meals at home, or scheduling a long-overdue checkup are all powerful steps forward.

This Heart Health Month, consider setting one or two realistic goals rather than trying to overhaul everything at once. Progress, not perfection, is what truly protects your heart. By investing in your heart today, through prevention or thoughtful management, you’re investing in a healthier, more active future.

How Life Events Can Qualify You for Special Enrollment

Fri, 23 Jan 2026 19:01:44 GMT

Health insurance enrollment is not always limited to a single time of year. While Open Enrollment is the most widely known opportunity to sign up for or change health coverage, many people are surprised to learn that certain life changes can allow them to enroll outside of that window. These opportunities are called Special Enrollment Periods, often referred to as SEPs.

If you experience a qualifying life event, you may be able to enroll in a new health insurance plan or make changes to your existing coverage without waiting for Open Enrollment. Understanding how Special Enrollment works can help you avoid gaps in coverage, unexpected medical bills, and unnecessary stress during major life transitions.

What Is a Special Enrollment Period?

A Special Enrollment Period is a limited timeframe that allows you to enroll in or modify your health insurance coverage after experiencing a qualifying life event. For individual health insurance, this window lasts 60 days from the date of the event, although most group (employer) plans allow a shorter period of 30 days.

During a Special Enrollment Period, you may be able to apply for a new health plan, switch plans, add or remove dependents, or adjust your coverage to better match your new circumstances. If you miss this window, you may have to wait until the next Open Enrollment period to make changes, which could leave you uninsured or underinsured for months. Acting promptly is key.

Common Life Events That Qualify for Special Enrollment

Several major life changes can make you eligible for a Special Enrollment Period. One of the most common qualifying events is loss of credible health coverage. This can include losing employer-sponsored insurance, aging off a parent’s plan at age 26, or losing eligibility for Medicaid or CHIP. When coverage ends unexpectedly, a Special Enrollment Period allows you to replace it without waiting until Open Enrollment.

Changes in household status are another common qualifying category. Events such as getting married, getting divorced, having a baby, adopting a child, or having a child placed in foster care can all trigger Special Enrollment. These life events often significantly change healthcare needs and costs, making it important to update your coverage as soon as possible.

A change in residence can also qualify you for Special Enrollment, especially if the move gives you access to new health insurance plans. Moving to a new state or county, relocating for work or school, or returning to the U.S. after living abroad may all make you eligible. However, simply moving within the same area without access to new plans may not qualify, so it’s important to understand the details.

Income Changes and Special Enrollment

Income changes can also play a role in Special Enrollment eligibility, particularly for those who purchase coverage through the Health Insurance Marketplace. If your income decreases, you may become eligible for premium tax credits or cost-sharing reductions that make coverage more affordable. In some cases, a significant income change can open a Special Enrollment Period.

On the other hand, an increase in income may affect your current financial assistance and require plan updates to avoid owing money back at tax time. Reporting income changes promptly helps ensure you are enrolled in the correct plan and receiving the appropriate level of financial support.

What Does Not Qualify as a Life Event?

Not every change in your life qualifies for a Special Enrollment Period. Simply deciding whether you want a different health insurance plan or missing the Open Enrollment deadline does not trigger eligibility. Voluntarily canceling your coverage without another qualifying reason may also leave you uninsured until the next Open Enrollment period.

Because Special Enrollment eligibility depends on specific criteria, understanding which events qualify and providing proper documentation is essential. Assuming eligibility without confirmation can lead to delays or denied applications.

How to Use Your Special Enrollment Period

If you experience a qualifying life event, the first step is to gather any required documentation. This may include proof of loss of coverage, a marriage certificate, birth or adoption records, or proof of a change in address. These documents are often required to verify your eligibility.

Working with a licensed health insurance professional can simplify the process. An experienced advisor can help you understand your options, ensure deadlines are met, and guide you toward a plan that fits both your healthcare needs and your budget.

Don’t Wait to Protect Your Coverage

Life changes can happen quickly and unexpectedly but losing health insurance does not have to add to the stress. Knowing how Special Enrollment works gives you the confidence to take action when it matters most. If you believe you have experienced a qualifying life event, it is best to explore your options as soon as possible to avoid coverage gaps.

Having the right health insurance at the right time provides peace of mind, financial protection, and access to the care you need. That peace of mind is something everyone deserves.

October 2025 Newsletter

Fri, 17 Oct 2025 15:03:23 GMT

Enrollment Season, Health Literacy, and More!

Our October newsletter is here, and it’s packed with important updates! Annual Enrollment Season has officially begun, so now is the time to call and schedule your consult. This month is also Health Literacy Month, a perfect reminder to learn key insurance terms and better understand your coverage before your review. Inside, you’ll also find a breakdown of the major changes coming for 2026 so you can stay ahead and make confident choices. And, in honor of Breast Cancer Awareness Month, our newsletter is proudly pink to show support and respect for those who are fighting and those we remember.

Enrollment Season Is Here

Annual Enrollment has begun, and it is one of the most important times to ensure your coverage will meet your needs for the coming year. Even if nothing has changed for you, plans, premiums, copays, networks and drug coverage shift from year to year making a review vital in maximizing your benefits and your premium dollars.

Call us today to schedule your review, as appointments will fill up quickly this season. When you call, please have the following ready to make the process smooth:

• Your current demographic information (address, phone number, email, etc.)
• Your updated list of prescriptions (for Medicare clients)
• Your preferred doctors, hospitals, and specialists (for Medicare Advantage clients)
• Your 2026 projected household income (for Marketplace clients)

We have also placed helpful forms and checklists on our website to help you prepare before your review. These forms make it easy to update your information and save time during your appointment.

Our goal is to make sure you head into 2026 with confidence knowing your plan is up to date, your coverage is still the right fit, and your costs are as low as possible. Do not wait, secure your spot early to ensure your 2026 review is completed before deadlines approach.

Office Closure Dates:

November 27-28
Thanksgiving

Important Dates to Remember:

October 15 - December 7
Enroll in Medicare Plans
November 1- January 15
Open Enrollment for Individual Health Plans
Deadline for 1/1 coverage is 12/15
January 1 - March 31
Open Enrollment for Medicare Advantage Plans Only

Helpful Links!

U65 Client Data Form

Medicare Client Data Form

Prescription Update Form

Health Literacy: Terms to Know and Understanding Them

Health insurance can feel confusing, but understanding the four key parts (deductible, copay, coinsurance, and maximum out of pocket) can help you make sense of your true costs and coverage. Each plays a role in how much you pay and when your plan starts sharing expenses. Click the image below to read more and learn how these pieces fit together to protect your health and your wallet.

What's Changing in 2026:

Key Updates

Big changes are coming to both Medicare and Marketplace health plans in 2026, from premium increases to shifts in coverage and cost-sharing. A quick review could help you avoid surprises and save money going into the new year. Click the image below to read more about what’s changing and why it’s important to schedule your 2026 coverage review early.

Important Dates:

Aug 29– Staff Development
Office closed @ 12PM
Sep 1 – Labor Day
Office Closed all day
Sep 3-8
Look out for Marketing Cards!
Sep 12- Client Appreciation Day
From 10AM – 4 PM

We offer Notary Services!

As a reminder, we offer notary services free to our valued clients—no appointment needed! Whether you need documents notarized for insurance, legal matters, or other important paperwork, simply stop by our office, and we’ll take care of it for you. It’s just another way we’re committed to providing exceptional service and support. Visit us anytime during business hours, and let us assist you!

What’s Changing in 2026: Key Updates

Fri, 10 Oct 2025 12:00:02 GMT

With 2026 fast approaching, there’s no better time to book a consult or review of your health coverage — whether you have an individual/ACA plan or Medicare. There are several major changes coming, and understanding how they affect you personally can mean big savings, better protection, and fewer surprises later on. Below is a detailed look at what’s shifting, why it matters, and how a review can help you make smarter choices.

Individual / ACA Marketplace Plans

1. Premiums Are Rising Sharply

Insurers in many states are proposing increases in ACA marketplace premiums of 10–27% for 2026. Some preliminary data show a median premium increase around 18% nationwide.

2. Out-of-Pocket Maximums & Deductibles Increasing

With healthcare costs and inflation, government rules are pushing up the limits: what you pay in deductibles, copays, and the most you’ll ever pay in a year is going up. For many ACA-compliant plans, the maximum out-of-pocket is moving significantly higher in 2026.

3. Subsidies (Premium Tax Credits) Might Shrink

Enhanced premium tax credits that have helped many people afford marketplace plans are set to expire at the end of 2025 unless extended by Congress. When they expire, many people will see their net premiums (what you pay after subsidies) increase—possibly by a large margin.

4. Eligibility Rules and Participation Changes

There may also be changes in who qualifies for what levels of help, and how much. Household income, size, and even your recent medical needs could affect the cost and availability of plans more than before.

Medicare

1. Part B & Part D Premiums and Cost Sharing Are Increasing

Medicare Part B monthly premiums and Part D premiums are projected to go up in 2026. For example, the base beneficiary premium for Part D is expected to increase about 6%, while Part B premium increases are more significant.

2. Out-of-Pocket Drug Caps Go Up

The maximum out-of-pocket cost for prescription drugs under Medicare Part D will increase: from $2,000 in 2025 to $2,100 in 2026.

3. Medicare Prescription Payment Plan (MPPP) Changes

The MPPP, which helps you spread prescription drug costs across the year rather than paying full cost at the counter every time, will auto-renew unless you opt out. Also, plan sponsors must process opt-outs within three days.

4. Updates to Medicare Advantage (MA), Part D, Dual-Eligible Plans (D-SNPs), and Star Ratings

CMS’s 2026 final rule introduces nuanced changes in how plans are rated, how prescription drug benefits are structured, and enhancements/modifications for Dual Eligible Special Needs Plans.

Why These Changes Matter for You

These are not just abstract policy shifts — they can affect your wallet, your coverage, your access to care, and how much protection you really have. Here’s why reviewing your coverage matters:

• Costs Could Go Up Significantly

With premiums, out-of-pocket maximums, and deductibles rising, what seemed affordable last year may look very different in 2026. If you rely on subsidies for ACA plans, those shrinking could be a big hit.

• Your Health Situation May Have Changed

If your health needs have changed (new medications, more frequent doctor visits, upcoming surgeries, etc.), the plan you had before may no longer serve you well. A plan that seemed adequate might now expose you to large costs.

• Benefit Designs Differ Widely

Even within Medicare Advantage, Part D, and ACA plans, plan features vary: prescription drug formularies, preferred providers, prior-authorization rules, network coverage, and perks are not uniform. A review helps you match plan features to your actual needs (doctors you use, medications, specialists, etc.).

• Avoid Gaps, Surprises, & Administrative Issues

Auto-renewals or changes might happen that you miss. For instance, with MPPP auto-renewing, you might stay in a plan whose new cost structure works less well for you. Provider directories may change. If you don’t check, you could discover after the fact that your usual doctor isn’t in-network.

• Opportunity to Optimize

With change comes opportunity. You may find a cheaper plan, more subsidy, or better coverage that suits your situation. You might re-evaluate whether a high-deductible plan with HSA works, or perhaps a more robust Part D plan is worth the premium. A consult helps you see those trade-offs and make an informed decision.

What to Ask / Look at During Your Consult or Review

When you sit down to review, whether with a licensed agent, broker, or counselor, here are items you’ll want to cover:

Projected total costs: premiums + deductibles + drug costs + copays + out-of-pocket maximums
Changes to subsidies / tax-credits for ACA plans
Plan networks: are your doctors / hospitals included?
Drug formularies: are your prescription drugs covered? Are there shifts in prior authorization?
Extra benefits (vision, dental, hearing, wellness perks) and trade-offs for those extras
Whether your Medicare Advantage plan or Original Medicare plus a supplement better serves you, given new MA changes
Timing: open enrollment periods, deadlines, required paperwork for subsidies, verification of income, etc.

Conclusion: Why You Should Act Now

Given all the changes ahead in 2026, waiting to review can leave you exposed: to cost increases you didn’t anticipate, to being “locked in” to a plan that no longer fits, or missing out on new benefits. Booking a consult / review now gives you lead time to:

Understand what changes will hit you
Adjust your budget or savings to cover increases
Shop smartly and compare alternatives before open enrollment ends
Make sure paperwork is in order so you don’t lose subsidies or coverage

Give us a call at 706-257-5073 to schedule your 2026 consult now!

Health Literacy - Terms to Know & Understanding Them!

Mon, 06 Oct 2025 12:00:05 GMT

Un derstanding the 4 Key Components of a Health Insurance Policy

Health insurance can feel overwhelming—full of terms, numbers, and fine print that don’t always make sense at first glance. But when you break it down, most health insurance policies are built around four main cost-sharing components: deductible, co-pay, coinsurance, and maximum out-of-pocket (MOOP).

Understanding these four pieces is essential, because they determine not only how much you pay when you use medical services, but also how quickly your plan begins to share costs with you. Let’s walk through each in simple, everyday language so you can feel more confident about how your policy works.

1. Deductible: Your Upfront Responsibility

The deductible is the amount you pay out of pocket before your insurance company begins covering certain services. Think of it like the entrance fee you must pay before your insurance kicks in for many covered benefits.

For example, if your deductible is $2,000, you are responsible for the first $2,000 of eligible medical expenses each year. After you reach that amount, your insurance will begin to share the cost of your care, usually through coinsurance or co-pays.

A few important points about deductibles:

Not all services apply. Many plans allow you to see your primary care doctor, receive preventive screenings, or get generic prescriptions without paying toward your deductible first. Preventive care (like annual check-ups or vaccines) is almost always covered at no cost under the Affordable Care Act.
Family deductibles work differently. If you have a family plan, there is usually both an individual deductible and a family deductible. Once one person meets their individual deductible, the plan starts helping with their costs. Once the total family deductible is met, coverage expands for everyone in the household.
High vs. low deductibles. Plans with higher deductibles usually come with lower monthly premiums. Plans with lower deductibles often have higher premiums. The right balance depends on your expected healthcare usage.

In short, your deductible is the foundation of your plan. Until you meet it, you’re largely paying medical costs yourself.

2. Co-Pay: A Flat Fee at the Time of Service

A co-pay (short for “copayment”) is a fixed amount you pay when receiving certain medical services, such as visiting your doctor, filling a prescription, or going to urgent care.

For example:

$25 to see your primary care doctor.
$50 for a specialist visit.
$15 for a generic prescription.

The key thing to know is that co-pays are predictable. Whether your doctor charges $150 or $250 for the visit, you still pay the same flat fee.

A few notes about co-pays:

Co-pays are due at the time of service, making them one of the most visible costs of health insurance.
They may or may not count toward your deductible, depending on your plan. Always check your policy details.
Many people appreciate co-pays because they provide certainty—you know exactly what you’ll owe for certain services.

In everyday terms, co-pays are like the set cover charge at the doctor’s office: you pay your fixed share, and insurance covers the rest right away.

3. Coinsurance: Sharing Costs with Your Insurance Company

While a co-pay is a flat fee, coinsurance is a percentage of the bill that you pay once your deductible has been met. This means your costs will vary depending on the price of the service.

For example, let’s say your plan includes 20% coinsurance:

You have already met your deductible.
You need an MRI that costs $1,000.
Your share is 20% = $200, and insurance pays the remaining $800.

Coinsurance can apply to hospital stays, imaging, outpatient procedures, or other higher-cost services. It ensures that you and your insurer both share responsibility for expenses after your deductible is met.

A few key points:

Coinsurance only kicks in after the deductible has been satisfied.
The percentage varies by plan—commonly 10%, 20%, or 30%.
If you haven’t met your deductible yet, you pay the full cost of the service.

Coinsurance is like splitting the bill with your insurance company—you both cover part of the cost, but the insurer usually pays the larger share.

4. Maximum Out-of-Pocket (MOOP): Your Safety Net

The maximum out-of-pocket (MOOP) is the most you will have to pay for covered services in a plan year. Once you reach this amount, your insurance company pays 100% of covered expenses for the rest of the year.

Here’s how it works:

Your deductible, co-pays, and coinsurance all count toward this maximum.
Premiums (your monthly payments) do not count toward it.
Once you hit the MOOP, you are fully protected from additional covered medical costs for the remainder of the plan year.

For example:

Your plan has a $6,500 MOOP.
Over the year, you pay $2,000 to meet your deductible, $1,500 in coinsurance, and $3,000 in co-pays.
That totals $6,500, meaning you’ve reached your maximum out-of-pocket.
From that point forward, your insurance pays 100% of all covered services until the new plan year begins.

This is the ultimate financial protection built into every health insurance policy. It ensures that no matter how high your medical costs go, there’s a ceiling on what you’ll owe.

Putting It All Together

Understanding these four components—deductible, co-pay, coinsurance, and maximum out-of-pocket—gives you a clearer picture of how your policy works in real life. Let’s consider an example:

You have a plan with a $2,000 deductible, 20% coinsurance, $25 co-pay for office visits, and a $6,500 MOOP.
You go to your doctor for a sick visit → $25 co-pay.
Later, you need blood work costing $300. Since you haven’t met your deductible yet, you pay the full $300.
After meeting your $2,000 deductible through several services, you need an MRI costing $1,000. Now, instead of paying the full amount, you pay 20% = $200, and insurance covers the rest.
Over the course of the year, once your combined payments hit $6,500, your insurer takes over and pays 100% of covered costs.

Final Thoughts

Health insurance can be intimidating but breaking it into these four pieces makes it easier to understand.

Deductible: what you pay first.
Co-pay: flat fee for certain visits or prescriptions.
Coinsurance: percentage of costs after your deductible.
Maximum Out-of-Pocket: the cap that protects you from runaway expenses.

With this framework, you can compare plans more confidently, understand your true potential costs, and make choices that fit your healthcare needs and budget.

September 2025 Newsletter

Fri, 19 Sep 2025 14:34:36 GMT

Enrollment Season, New Team Members, and More!

Welcome to this month’s edition of Crawford Benefits Newsletter! We are excited to introduce Riley, the newest member of our office support team. This edition also features a special video with estate attorney Brad Coppedge where we discuss the importance of estate planning. Because September is Blood Cancer Awareness Month, our newsletter is draped in orange to show our support. You’ll also find important dates for the upcoming enrollment season, which is quickly approaching and will be here before we know it. This months blogs will highlight both the significance of blood cancer awareness and practical ways to reduce your carbon footprint.

We're So Excited For You To Meet Riley!

We are excited to introduce Riley Waters as our newest team member. She joined our office in April as front office support. You may have already had the pleasure of meeting her or speaking with her on the phone. She brings a calmness to the office and has embraced learning the ins and outs of our business in order to provide the best service to our clients. Click her photo to read more about her!

Marketing Cards Have Been Mailed!

Medicare marketing cards have been mailed and should have arrived by now. If you haven’t received yours, keep an eye on the mail, and let us know if there are any issues. We will also be sending a couple of email reminders to schedule, as well. Now is the perfect time to schedule your appointment! Call our office or use the Contact Us link to set up your consult. Annual Enrollment begins October 15 , and appointments will fill up quickly this year. To make the process smooth, please be ready with your updated information when you call. This includes:

Current demographic details
Confirming prescriptions (for Medicare clients)
Updated list of doctors (for Medicare Advantage)

We’ve also placed helpful forms available on our website to guide you through preparing for your review. Don’t wait! Secure your spot early so we can make sure everything is in place for your 2026 coverage needs.

Helpful Links!

U65 Client Data Form

Medicare Client Data Form

Prescription Update Form

Estate Planning, Important Documents, and More with

Brad Coppedge!

Are you confused about wills, trusts, or power of attorney documents? We recently sat down with local estate attorney, Brad Coppedge, with GSH Attorneys to break down the essentials and clear up common misconceptions. Whether you're just getting started or updating your plans, this conversation is packed with helpful insights to protect your family and your future.

September Is Blood Cancer Awareness Month!

This September, Crawford Benefits is going orange to honor Blood Cancer Awareness Month, a cause close to our hearts. Blood cancers like leukemia, lymphoma, and myeloma impact thousands of families each year. Knowing the signs such as fatigue, infections, weight loss, or easy bruising can save lives.

You can help by donating blood, joining the bone marrow registry, and sharing awareness with your community. Together, we can support those fighting today and bring hope for tomorrow. Click on the image to read more!

World Environmental Health Day - September 25

At Crawford Benefits, we believe small changes can make a big difference for the planet. In our office, we reduce waste by using washable towels instead of paper towels, choosing non-toxic cleaners, using an ozone machine for clean air, and packing lunches with reusable containers instead of single-use plastics.

World Environmental Health Day on September 25 is a reminder that protecting the environment also protects our health. Click on the images to explore more easy ways to lower your carbon footprint.

Important Dates:

Aug 29– Staff Development
Office closed @ 12PM
Sep 1 – Labor Day
Office Closed all day
Sep 3-8
Look out for Marketing Cards!
Sep 12- Client Appreciation Day
From 10AM – 4 PM

We offer Notary Services!

Blood Cancer Awareness Month

Wed, 10 Sep 2025 13:01:22 GMT

September is recognized as Blood Cancer Awareness Month, a time when individuals, families, organizations, and communities come together to shine a light on a disease that affects so many lives. At Crawford Benefits, this cause is especially close to our hearts. We know firsthand how important awareness and education can be, and this September we are showing our support by turning things a little orange, the color that symbolizes blood cancer awareness. Wearing or displaying orange may seem small, but it is a powerful reminder of the ongoing fight against leukemia, lymphoma, myeloma, and other blood cancers. By dedicating a month to this cause, we hope to encourage early detection, raise critical support for patients and their families, and inspire action within our community.

Blood cancers are unique because they affect the very lifeline of the body, the blood, bone marrow, and lymphatic system. Unlike many other cancers that form solid tumors, blood cancers circulate through the body, making them harder to detect in their early stages. That is why awareness is so vital. When people understand what symptoms to watch for and when to speak up, lives can be saved. Some of the most common signs of blood cancers include persistent fatigue or weakness, frequent infections, unexplained weight loss, easy bruising or bleeding, and swollen lymph nodes. Unfortunately, these symptoms can often be mistaken for other, less serious conditions, which can delay diagnosis. The more we talk about these warning signs, the better chance people have at recognizing when something might be wrong and getting help as early as possible.

For many families, a blood cancer diagnosis can be overwhelming. It often brings uncertainty, countless medical appointments, and emotional and financial strain. Yet, in the midst of this challenge, stories of resilience, community support, and groundbreaking medical advances provide hope. Treatments such as bone marrow transplants, chemotherapy, immunotherapy, and CAR T-cell therapy are improving outcomes for patients every day. Continued progress in research is possible because of awareness months like this one, which raise funding and spark conversations that keep blood cancer in the spotlight.

At Crawford Benefits, our commitment goes beyond simply acknowledging Blood Cancer Awareness Month. We want to encourage real action. One of the simplest yet most impactful ways to get involved is to donate blood. Cancer patients often rely on blood transfusions as part of their treatment, and every donation truly makes a difference. Another powerful step is to register as a bone marrow donor. Many patients with blood cancer depend on bone marrow or stem cell transplants to survive, but finding a matching donor can be difficult. By joining the registry, you could one day give someone the gift of life.

Supporting research organizations and patient advocacy groups is also a meaningful way to contribute. Donations help fund groundbreaking studies, provide patient services, and support families during some of the most difficult times in their lives. Even if financial giving is not possible, simply sharing information with friends and family helps spread awareness. Wearing orange, posting about Blood Cancer Awareness Month on social media, or participating in a local fundraising event are small actions that create a ripple effect of education and support.

As we reflect on this month, it is important to remember that awareness is not just about statistics or facts, it is about people. It is about honoring those who have lost their lives, supporting those currently in the fight, and standing with caregivers who give so much of themselves. It is also about building hope for the future, where better treatments and maybe even cures become a reality. Awareness months like this remind us that we are not powerless in the face of cancer. Each of us has something to contribute, whether it is time, resources, or simply compassion.

We encourage everyone to take a moment this September to learn more about blood cancers and what you can do to help. Check in on loved ones, talk about the signs and symptoms, and look for ways to get involved. Together, as a community, we can raise our voices for a cause that matters deeply to so many. When we unite under the color orange, we send a message of strength, resilience, and unwavering support to those impacted by blood cancer.

This September, let us remember that awareness leads to action, and action leads to hope. By donating blood, registering as a bone marrow donor, supporting organizations, and sharing information, we all have the power to make a difference. We stand with the blood cancer community this month and every month, and we invite you to join us in spreading awareness and fostering change. Together, we can turn compassion into action and bring hope to those who need it most.

Easy Ways to Lower Your Carbon Footprint

Wed, 10 Sep 2025 12:53:04 GMT

Easy Ways to Lower Your Carbon Footprint

At Crawford Benefits, we believe that small, thoughtful choices can make a big difference for the environment. Every decision we make in our daily lives and in our office has an impact, and by choosing healthier, more sustainable practices, we can help protect our planet for generations to come. With World Environmental Health Day taking place on September 25, it is the perfect time to reflect on how our choices affect the environment and what simple steps we can take to reduce our carbon footprint.

Lowering your carbon footprint may sound like a big task, but it really comes down to making small, consistent changes that add up over time. Many of the things we do in our office are simple, affordable, and easy to replicate at home or in other workplaces. One of the first things we decided to change was our use of paper products. Instead of stocking paper towels, we use cloth towels that can be washed and reused. This not only reduces waste but also saves money in the long run. Switching to reusable cloths eliminates the constant need to buy paper products that are used once and thrown away.

Cleaning is another area where we have made improvements. Many traditional cleaners contain harsh chemicals that are not only bad for the environment but can also affect our health. In our office, we choose simple, non-toxic cleaning products that are just as effective without the harmful side effects. By choosing safer cleaners, we reduce the amount of toxins released into the air and water supply. To further improve the air quality in our space, we use an ozone machine regularly, which helps clean and neutralize airborne contaminants and eliminate odors. We also use air purifiers in our office. Clean air creates a healthier environment for everyone in the office and contributes to a more sustainable workplace overall.

Food storage and packaging are other areas where small changes can have a big impact. Instead of relying on single-use containers, plastic wrap, or disposable baggies, we use Tupperware and reusable storage bags. This change may seem small, but when you think about how often people pack lunches, store leftovers, or organize snacks, the amount of plastic waste adds up quickly. By reusing containers, we cut down on the need for disposable plastics, which are some of the biggest contributors to pollution in oceans and landfills. Reusable products are also sturdier and more reliable, making them a smarter choice for daily life.

The great thing about all of these adjustments is how practical and attainable they are. You do not need to make drastic changes overnight to make a difference. Simply replacing paper towels with cloth, choosing a reusable baggie over a plastic one, or swapping one toxic cleaner for a non-toxic alternative are easy ways to get started. These little steps add up, and when more people make them, the collective impact is enormous.

September 25 is World Environmental Health Day, which serves as a reminder of how closely connected human health and environmental health are. The quality of the air we breathe, the water we drink, and the products we use every day all play a role in our overall well-being. By choosing to live more sustainably, we are not only protecting the planet but also taking care of our own health. Cleaner air, fewer toxins, and less waste all contribute to healthier communities.

It is also important to remember that sustainability is not about perfection. No one can eliminate their carbon footprint entirely, but everyone can take steps to reduce it. Whether it is biking instead of driving for short trips, turning off lights when you leave a room, reducing food waste, or bringing reusable bags to the grocery store, every action makes a difference. The key is to be mindful of your choices and to look for areas where you can swap out a disposable habit for a reusable one.

At Crawford Benefits, we take pride in the steps we have already put in place in our office, but we also know there is always room to improve. Environmental health is an ongoing commitment, and World Environmental Health Day gives us the opportunity to reflect on what we are doing and what more we can achieve. We encourage everyone to look at their daily routines and see where they can make simple, sustainable swaps.

In the end, the goal is not just to reduce our carbon footprint but to create a healthier, more resilient future for everyone. By making small, consistent choices, we protect the environment, safeguard our health, and set an example for others to follow. This September, as World Environmental Health Day approaches, we invite you to join us in making changes that matter. Whether at home, at work, or in your community, each choice adds up to a cleaner, healthier planet. Together, we can turn small actions into lasting change.

Why Life Insurance Matters When You Are Parents

Tue, 19 Aug 2025 17:44:01 GMT

Becoming a parent changes everything. Once a child enters your life, their safety and future become your highest priority. You prepare their meals, schedule their checkups, save for school, and teach them right from wrong. Still, one of the most important forms of protection often gets overlooked: life insurance.

Life insurance can provide vital security for your children and spouse in the event of an unexpected tragedy. It is not just about covering financial losses. It is about ensuring your loved ones have the support they need to keep moving forward. This guide explains why life insurance is essential for parents, how it supports long-term goals, and what type of policy may fit your family best.

The Financial Impact of Losing a Parent

No one wants to think about it, but it is crucial to consider how your family would manage without you. Whether you are the main income provider or the stay-at-home caregiver, your role carries financial weight. If you were no longer there, who would pay the bills, care for the children, or maintain your household routines?

Life insurance offers a direct way to replace lost income or the value of your unpaid labor. With coverage in place, your family can stay in their home, continue their education plans, and avoid financial stress during a time of emotional pain.

Paying for Daily Needs and Long-Term Stability

Life insurance helps cover essential expenses, such as mortgage payments, rent, groceries, utilities, school supplies, and even clothing. In addition, it can contribute to future goals such as college savings, down payments, or special medical needs.

Even a modest policy can ease the financial burden on your spouse or co-parent. Without this protection, they may need to work more hours, take on debt, or rely on extended family for help.

Your Children’s Future Still Matters

Every parent hopes their child will thrive. You work hard to provide learning opportunities, extracurricular activities, and a safe home. Life insurance can preserve those opportunities even if you are not around to see them.

A death benefit can support:

Tuition for college or vocational training
Transportation, food, and clothing
Emotional support like therapy or grief counseling
Milestones such as weddings or first homes

Whether your children are still in school or have already begun their adult lives, life insurance can help support their financial stability. Adult children may still rely on you for guidance, shared housing, or caregiving for grandchildren. Parenting doesn't end when the children leave the home. Many parents still have a desire to provide for their children. Life insurance offers a way to do that. Your absence could create both emotional and financial stress if not planned for.

With careful planning, you can ensure your children reach adulthood with stability and continue thriving even after.

Protecting Against the Loss of a Non-Working Parent

Many people think only the main breadwinner needs insurance, but this is a dangerous assumption. The value of a stay-at-home parent is significant. They often serve as caregivers, tutors, drivers, chefs, organizers, and counselors all without pay.

If that parent passes away, the surviving partner may need to hire help for childcare, transportation, housekeeping, or meal preparation. Insurance for both parents ensures that daily routines continue without added hardship.

Exploring Types of Life Insurance for Families

Understanding the different types of life insurance available helps you make a decision based on your needs and your budget.

Term Life Insurance

Term life insurance is typically the most affordable option. It provides coverage for a specific number of years, such as 10, 20, or 30. If the insured person dies within that period, their beneficiaries receive a payout. If they live past the term, the policy ends or may be renewed at a higher rate.

This kind of insurance is well suited for parents who want coverage until their children become adults. It can also be used to protect against large debts, such as a mortgage and education.

Whole Life and Universal Life Insurance

These are types of permanent insurance. They remain active for the policyholder's entire life, as long as payments are made. Permanent policies also include a savings feature called "cash value" that grows over time.

Whole and universal life policies cost more, but they may be a better choice for families with complex needs or those who want to build wealth across generations.

Deciding How Much Coverage to Purchase

A good starting point is to multiply your income by ten. But more importantly, you should calculate:

Remaining mortgage balance
Credit card or loan debt
Tuition costs for each child
Expected childcare or elder care
Funeral and legal costs

The goal is to ensure your family can cover current and future expenses without drastically changing their lifestyle.

Choosing Beneficiaries and Planning Ahead

Most people name their spouse or partner as the primary beneficiary. If your children are under 18, you may need to create a trust and name a trusted adult as the custodian.

Be sure to review your beneficiaries every couple of years, especially after major life events such as the birth of a new child, divorce, or remarriage.

Life Insurance Is More Affordable Than Most Expect

Many families put off getting life insurance because they assume it is too expensive. In reality, term coverage for a healthy adult in their 30s can cost less per month than ordering takeout.

Rates depend on age, health, policy type, and coverage amount. Getting a quote is free and does not commit you to anything. The sooner you start, the more affordable your options will be.

When to Buy Life Insurance

The best time to get coverage is when your children are young and your health is good. Do not wait for a perfect financial situation. Even a small policy is better than no coverage at all.

You can consider upgrading or expanding your coverage later as your income grows. Some employers offer basic life insurance, but it may not be enough. Personal policies offer more flexibility and higher coverage amounts. Something to keep in mind is many group policies aren’t portable, leaving you without coverage if you have a job change or retire.

Life Insurance Brings Peace of Mind

Having a plan in place brings emotional relief. It allows you to focus on enjoying the present, knowing your family has a cushion if the unexpected happens. It is not about fear. It is about care, foresight, and responsibility.

Final Thoughts

Parenting comes with daily challenges, joyful surprises, and endless responsibilities. Life insurance is a tool that helps you fulfill your promise to care for your children, even in the face of the unknown.

By taking this step now, you are making an investment in your family's future security. You are choosing to protect your family’s home, education, and well-being. In the long run, that kind of preparation is one of the most meaningful gifts a parent can give. If you are not sure where to start, give us a call today at 706-257-5073 or complete our Life Insurance Fact Finder Form . We can explain your options in simple terms and help you choose a plan that fits your family's needs.

Welcome Back to School: Staying Healthy as the New School Year Begins

Tue, 19 Aug 2025 17:43:55 GMT

As backpacks are packed, lunchboxes are labeled, and school bells start ringing, it’s officially back-to-school season. Whether your child is starting kindergarten or heading into their final year, this time of year is full of excitement, fresh routines, and a few new germs making their rounds. With the return to classrooms, cafeterias, and crowded hallways, it’s a great time to review some simple health and hygiene habits to help keep your family safe and well all year long.

1. Practice Good Hand Hygiene

One of the most effective ways to prevent the spread of germs is also the simplest—handwashing. Encourage your child to wash their hands frequently, especially:

Before eating
After using the restroom
After blowing their nose, coughing, or sneezing
After playing outside or using shared classroom supplies

Using warm water and soap for at least 20 seconds is best. When soap and water aren't available, hand sanitizer is a great backup.

2. Keep Up with Routine Checkups

Back-to-school is a great time to schedule annual wellness exams and ensure vaccinations are up to date. These visits help monitor your child’s overall health and keep them on track for school requirements, including vision and hearing screenings, physical exams, and immunizations.

3. Teach Cough & Sneeze Etiquette

Remind kids to cover their mouths and noses with a tissue or the inside of their elbow when they cough or sneeze. Tissues should be thrown away immediately, and hands should be washed afterward. These small habits go a long way in preventing illness from spreading through classrooms and shared spaces.

4. Reinforce Healthy Habits at Home

A strong immune system starts with good daily habits. Make sure your child is getting:

Enough sleep each night (aim for 8–12 hours depending on age)
A balanced diet with fruits, vegetables, whole grains, and protein
Plenty of water throughout the day
Time for physical activity and play

Helping your child stay well-rested and nourished gives their body the best chance to fight off any bugs they encounter at school.

5. Don’t Send Sick Kids to School

It can be tough to miss a day, but sending a sick child to school puts others at risk and can prolong your child’s recovery. Follow your school’s guidelines on when to keep kids home—usually when they have a fever, vomiting, diarrhea, or other contagious symptoms. And don’t forget to notify the school nurse or office if your child is diagnosed with something that could affect other students, like strep throat or the flu.

6. Keep Personal Items Personal

Encourage your child not to share personal items like water bottles, food, hats, hairbrushes, or lip balm. Even younger children can start to understand the importance of keeping their things to themselves to help stop the spread of germs.

7. Mental Health Matters Too

The return to school can be exciting, but it can also bring stress or anxiety. Be sure to check in with your child emotionally, and keep communication open. If your child seems overwhelmed or withdrawn, don’t hesitate to reach out to a school counselor or your family’s pediatrician for support.

August 2025 Newsletter

Tue, 19 Aug 2025 17:38:33 GMT

Sunshine, Fresh Starts, and Mid-Year Motivation

August brings the final stretch of summer, a time to soak in the warmth, welcome new beginnings, and gear up for the busy season ahead. This month we’re excited for new beginnings (Back to School), to announce our Client Appreciation date and highlight why life insurance matters, especially for parents. August is the perfect time to refocus, prepare for what’s next, and take care of what matters most.

Mark Your Calendar: Client Appreciation Day - September 12

Client Appreciation Day is happening Friday, September 12,

2025, from 10 AM to 4 PM at our office, and we can’t wait to see you. This event is our way of showing gratitude to the individuals and families we serve. Everyone who attends can expect a fun, casual atmosphere and some helpful resources.

Guests will receive small gifts and snacks, and have the chance to connect with the Crawford Benefits team in person.

We’re looking forward to seeing familiar faces, meeting new ones, and celebrating the people who make our work so meaningful. While we’ll have helpful materials on hand to support a smoother enrollment season, this event will not be focused on enrollment-related discussions or making appointments. Instead, it’s a chance to relax, reconnect, and enjoy the day together. We hope to see you there!

Back to School Health Tips:

What to Know Before the Bell Rings

As the new school year begins, it’s a great time to refresh healthy habits. Remind kids to wash their hands often, cover coughs and sneezes, and avoid sharing personal items. Keep up with wellness checkups and stay home when feeling sick to help prevent the spread of germs. A little prevention goes a long way toward a healthy, successful year! Click Here To Read more Ways To Stay Healthy This School year.

Why Life Insurance Matters When You’re a Parent

Raising a family comes with a lot of responsibility, and life insurance plays a big part in planning for the unexpected. It helps provide financial protection and peace of mind in case something happens to you. If you support a child or spouse, it’s important to understand what options are available. Click here to read more about the importance.

Marketplace Changes Coming in 2026

Major updates are on the horizon for Marketplace and state-based health insurance exchanges starting in 2026. Enhanced premium tax credits are set to expire, stricter income verification and enrollment rules will take effect, and automatic renewals for subsidized plans will end. Other changes include the removal of repayment caps for excess tax credits and higher out-of-pocket limits. These updates could lead to higher costs and added paperwork for many enrollees. Now more than ever, it’s important to stay informed and take action during open enrollment.

Click here to read the full breakdown of 2026 Marketplace changes and how to prepare

Marketing Cards Mailing Soon!

Our 2026 plan year marketing cards will be mailed on August 30th. Once yours arrives, be sure to call our office to complete your intake or connect through Contact Us and schedule your 2026 appointment. With several important changes coming next year, this is one meeting you won’t want to miss. Let’s review your options and make sure your coverage continues to fit your needs.

Important Dates:

Aug 29– Staff Development
Office closed @ 12PM
Sep 1 – Labor Day
Office Closed all day
Sep 3-8
Look out for Marketing Cards!
Sep 12- Client Appreciation Day
From 10AM – 4 PM

We’re Here for You

At Crawford Benefits, we believe in personal service and real connections. If you ever need help with your coverage, have a question about your plan, or want to talk through your options, just reach out. We are committed to helping you find solutions that make sense for your life. 706-257-5073.

What’s Changing in 2026: A Consumer’s Guide to Marketplace & State-Based Health Insurance

Tue, 19 Aug 2025 15:00:22 GMT

Big changes are coming in 2026 for people who use Healthcare.gov or a state-based health insurance exchange. These updates will impact eligibility, premium assistance, and how you stay enrolled. If you rely on the Marketplace for affordable coverage, here’s what you need to know and how to prepare.

Loss of Enhanced Premium Tax Credits

The extra help many people have been receiving to lower monthly premiums, known as enhanced premium tax credits (ePTCs), is set to end after 2025. These subsidies, expanded under federal relief laws, made more people eligible and capped premium costs at 8.5% of income. Without Congressional action, premiums will rise for millions of Americans, with some seeing increases of 75% or more. The Congressional Budget Office estimates that approximately 4.2 million people could lose coverage as a result.

Stricter Enrollment & Eligibility Rules

New rules beginning in 2026 will make enrollment more difficult for many. Low-income households under 150% of the federal poverty level will no longer have access to year-round enrollment through Special Enrollment Periods (SEPs); instead, they’ll be limited to the standard open enrollment window or qualifying life events. Income verification will also tighten, applicants must now submit proof of income during enrollment or renewal and respond within 90 days, ending the previously available 60-day extension. Auto-renewal will also no longer be available for subsidized enrollees; if you don’t confirm your information, you could lose your financial assistance and be enrolled in a $5/month basic plan by default for members with $0 premium. And if your reported income doesn’t match IRS records, you’ll be required to justify your estimate or risk denial of coverage. These changes are meant to improve program integrity, but they also increase the paperwork and deadlines consumers must manage. Using an agent can be even more important in understanding and navigating the enrollment process.

Changes for DACA Recipients

As of 2026, individuals with Deferred Action for Childhood Arrivals (DACA) status will no longer be considered “lawfully present” for the purpose of enrolling in Marketplace coverage or receiving subsidies. This reverses a 2024 rule that expanded access and will impact roughly 10,000 people nationwide who currently rely on Marketplace insurance.

End of APTC Repayment Caps

Another major shift for 2026 is the removal of the cap on repaying excess Advanced Premium Tax Credits (APTC). In the past, if your income ended up higher than expected, your repayment was limited based on your income level. That protection is going away. Starting in 2026, if you miscalculate and receive more tax credits than you’re entitled to, you’ll have to repay the full amount, no matter your income level. This makes accurate income estimates and midyear updates even more critical.

Revised Open Enrollment Period

The open enrollment window for 2026 will run from November 1, 2025 through January 15, 2026, giving consumers around 10 weeks to select or renew their plans. However, starting in 2027, that window will likely shrink. Federally-facilitated Marketplaces are expected to reduce open enrollment to just six weeks (November 1 to December 15), while most state-based exchanges may adopt slightly longer timelines.

Expanded Access to Health Savings Accounts (HSAs)

There is good news for some consumers, beginning in 2026, many more Marketplace plans will become HSA-eligible. Specifically, bronze and catastrophic plans will now qualify as High-Deductible Health Plans (HDHPs), meaning you can open and contribute to a Health Savings Account. HSAs let you save money tax-free for qualified medical expenses, providing added flexibility and financial benefits.

Updated Cost-Sharing Limits

Out-of-pocket maximums are increasing as well. For 2026, the most you’ll have to pay for covered medical expenses in a year will rise to $10,600 for individuals and $21,200 for families. These limits are adjusted annually to reflect changes in healthcare costs and inflation, and they could impact budgeting for anyone who uses a high-deductible plan.

How These Changes Affect You

Whether you enroll through Healthcare.gov or a state-based exchange like Georgia Access, these federal rules apply across the board. Some states may offer their own subsidies or support programs, but the most significant policy shifts, such as tighter verification, reduced enrollment flexibility, and the loss of financial protections, will be nationwide. State-based exchanges may try to ease the transition with better outreach and resources, but the burden will ultimately fall on consumers to stay informed and meet new requirements.

What You Can Do to Prepare

If you use Marketplace coverage, take these steps to protect yourself. First, estimate your income carefully when applying. Without a repayment cap, underestimating can lead to a large tax bill. Be sure to update your income midyear if your financial situation changes. Second, gather and submit your verification documents on time. You’ll likely need to provide proof of income, immigration status, or other eligibility criteria more quickly than before. Third, don’t rely on automatic renewal, reach out to us to update your information and confirm your plan each year. Fourth, keep track of the enrollment window and plan to take action between November 1, 2025 and January 15, 2026. Lastly, consider opening an HSA if you select a qualifying plan. These accounts can help you manage out-of-pocket expenses while offering valuable tax savings.

Looking Ahead

The 2026 health insurance landscape will bring significant changes. With the possible end of enhanced subsidies, tougher enrollment rules, and greater financial risks for reporting errors, consumers must stay engaged to maintain affordable coverage. While state exchanges may provide support, the main rules apply nationwide, and the stakes are higher than ever. Staying organized, watching deadlines, and updating your information will be key to protecting your health coverage in the years ahead. Please reach out to our office via phone at 706-257-5073 or email at info@michellecrawfordbenefits.com so we can assist you in navigating your coverage with ease!

The Role of Life Insurance and Your Family's Future

Fri, 27 Jun 2025 17:47:03 GMT

Planning for the future means more than just thinking about retirement savings or where you’d like to live in your golden years. One of the most impactful and thoughtful things you can do for the people you love is to prepare for the moment you’re no longer with them. That’s where life insurance steps in, not just as a safety net, but as a powerful tool in estate planning and ensuring your family is protected financially.

In this article, we’ll explore how life insurance plays a vital role in securing your family’s future. We’ll focus on two key areas: estate planning and covering final expenses . Whether you’re just beginning to think about these issues or you’re revisiting an older plan, understanding the value of life insurance is an essential step in responsible financial planning.

Why Thinking Ahead Matters

It’s natural to avoid conversations about what happens after death, but avoiding the topic can often lead to confusion, unnecessary costs, and financial hardship for surviving family members. When someone passes away without clear plans in place, loved ones are left to sort out arrangements, debts, and responsibilities—often during a time of grief and stress.

Having a life insurance policy in place can remove much of that burden. It provides clear instructions, available funds, and most importantly, peace of mind. It’s not just about what you leave behind—it’s about how your family continues moving forward.

Life Insurance as a Foundation for Estate Planning

Estate planning is about more than just writing a will. It’s a comprehensive approach to organizing your assets, protecting your family, and ensuring that your wishes are carried out. Life insurance is a central component in many estate plans because it creates liquid assets —money that becomes available quickly when it’s needed most.

Life Insurance Creates Immediate Support

After someone passes, many assets, like property, investments, or retirement accounts—may be tied up in probate. This legal process can take months to settle, and it often requires court involvement. During that time, your loved ones might need access to cash for basic needs or to pay for arrangements. Life insurance bypasses probate in most cases, delivering funds directly to the named beneficiary.

This immediate support can help cover mortgage payments, keep bills current, or allow a spouse to take time away from work. It ensures your family has the breathing room to grieve without being pressured by financial stress.

Using Life Insurance to Cover Debts and Taxes

Life insurance is also helpful when settling debts or handling estate taxes. If you have a mortgage, credit cards, or personal loans, those obligations might not disappear when you do. In many cases, unpaid debts become part of your estate and must be addressed before any assets can be passed on.

Having life insurance in place can ensure that your family isn’t forced to sell off assets to settle those obligations. For individuals with higher-value estates, it can even be used to pay estate taxes, helping to preserve family property or generational wealth.

Supporting Loved Ones Through Final Expenses

One of the most common and practical uses for life insurance is to cover final expenses . Funeral costs can range anywhere from $7,000 to $15,000, depending on the type of service, burial, or cremation selected. That doesn’t include travel costs, obituary notices, flowers, or other arrangements that quickly add up.

Without a plan, these costs often fall to family members—many of whom are unprepared. In some cases, families resort to taking out loans, borrowing from relatives, or using credit cards to give their loved one a dignified farewell.

With a life insurance policy designed to cover final expenses, everything from the casket to the headstone can be handled without added emotional or financial strain. These policies often range from $10,000 to $50,000 and are easy to qualify for, making them an excellent option for seniors.

Protecting Your Spouse and Children

While final expenses are a key reason many people buy life insurance, there’s also a broader impact on surviving spouses and children. If your income helps support your household—whether directly or indirectly, its absence can leave a noticeable gap.

Even if you're no longer working, the role you play in managing the home, helping raise grandchildren, or providing supplemental income matters. Life insurance ensures that those who depend on you aren’t left in a difficult position.

For couples, a policy can help the surviving partner maintain their standard of living. For adult children, it may provide enough assistance to handle outstanding medical bills, caregiving costs, or legal paperwork. For younger children, it could help support future educational plans or offset the costs of raising a family alone.

A Tool for Leaving a Legacy

Not all life insurance policies are meant to cover expenses. Some are designed to create a meaningful legacy . If you wish to leave a financial gift for a grandchild, support a place of worship, or fund a scholarship in your name, life insurance makes that possible.

Permanent policies—like whole life or universal life, are especially helpful for these purposes. They offer predictable coverage and, in some cases, the ability to grow a small savings portion inside the policy. With careful planning, these policies can serve both your family and the causes you care about.

Choosing the Right Type of Life Insurance

There are many types of life insurance, but for estate planning and final expenses, a few stand out as particularly useful:

Whole life insurance offers lifelong coverage with fixed premiums. It builds cash value over time and is often used for long-term planning.

Final expense insurance , a type of whole life policy, provides smaller amounts of coverage but is easy to apply for and designed specifically to pay for burial or cremation costs.

Universal life insurance offers flexibility in both premiums and coverage amounts. It can be customized to fit changing needs over time.

Term life insurance , while useful for income replacement, typically isn’t used for final expense planning because it expires after a certain number of years.

The right choice depends on your age, health, goals, and financial situation. A licensed agent can help you compare options and determine what makes the most sense for your family.

How to Start the Conversation

Talking about life insurance can feel uncomfortable at first, but it’s one of the most compassionate conversations you can have with your family. Sit down with your spouse or children and explain what your wishes are, what policies you already have in place, and who they should contact when the time comes.

Keep policy documents in a safe, easy-to-find location, and be sure someone you trust knows where they are. The goal is to eliminate uncertainty, not create more of it.

Final Thoughts

Planning for the future takes courage, but life insurance makes it easier. It’s not just about money, it’s about taking responsibility and showing love in one of the most powerful ways possible. From paying for a funeral to preserving your estate, a well-chosen policy ensures your family can focus on healing rather than scrambling to find answers.

Whether you’re starting from scratch or updating an old plan, now is the time to take action. Life insurance may not change the loss itself, but it can change everything that comes after, for the better.

What is Life Insurance

Fri, 27 Jun 2025 17:47:01 GMT

A straightforward guide to understanding the types of life insurance, how they work, and how to choose the right coverage for your needs.

Life insurance is one of the most important tools available for financial planning, yet it’s often misunderstood. While it can feel complex, at its core, life insurance is simply a way to provide security and peace of mind for your loved ones. When you pass away, a life insurance policy can help your family manage final expenses, ongoing bills, or long-term goals without being financially overwhelmed.

In this post, we’ll explain the different types of life insurance, how they work, and how to determine which one fits your needs.

Understanding the Basics of Life Insurance

How It Works

Life insurance is a legal agreement between an individual and an insurance company. The policyholder agrees to pay regular premiums, and in exchange, the company commits to paying a death benefit to the person or people the policyholder chooses. This payment is made after the insured person passes away, providing a financial safety net during a time of loss.

Why It Matters

This coverage ensures that loved ones can handle expenses like funerals, remaining debts, mortgage payments, or day-to-day costs. Depending on the type of policy chosen, it may also offer lifelong protection or savings opportunities.

Term Life Insurance

What It Is

Term life insurance provides coverage for a fixed period of time, commonly ten, twenty, or thirty years. If the insured person passes away during that period, the full death benefit is paid to the beneficiary. If the policy expires before that happens, no benefit is paid unless the policy is renewed or converted.

Who It's For

This type of coverage is well-suited for individuals who need protection during specific life phases. Parents raising young children, homeowners paying off a mortgage, or people with large financial obligations often turn to term life insurance for its simplicity and affordability.

Key Considerations

The premiums for term life are typically lower than for permanent policies, especially if purchased while you're younger and in good health. However, once the term ends, the policy offers no further protection unless renewed, usually at a higher cost due to age.

Whole Life Insurance

What It Is

Whole life insurance is a form of permanent life insurance that remains in effect for the insured’s entire lifetime, as long as premiums continue to be paid. In addition to the death benefit, whole life policies also build a cash value over time, which can be accessed or borrowed against.

Who It's For

This option appeals to individuals seeking long-term protection and financial stability. It is often chosen by people who want to lock in fixed premiums and ensure they leave something behind for family, pay estate taxes, or support a charitable cause.

Key Considerations

Although whole life premiums are higher than term life premiums, they do not increase with age. The policy builds cash value slowly, and that value can be used in later years if needed, although borrowing from it will reduce the eventual death benefit.

Universal Life Insurance

What It Is

Universal life insurance is another type of permanent coverage that allows more flexibility than whole life. Policyholders can adjust the amount of their premiums and death benefit throughout the life of the policy. It also accumulates cash value that earns interest over time.

Who It's For

This option is attractive to individuals who expect their financial situation to change or who want more control over their coverage. Entrepreneurs, people planning early retirement, or those with fluctuating incomes often consider universal life for its adaptability.

Key Considerations

While it provides the benefits of lifelong protection and cash value growth, universal life insurance requires more active management. If the cash value falls too low and premiums aren’t adjusted, the policy could lapse.

Final Expense Insurance

What It Is

Final expense insurance, sometimes called burial or funeral insurance, is designed specifically to cover end-of-life costs. It is a simplified form of whole life insurance with a smaller death benefit, typically ranging from a few thousand to fifty thousand dollars.

Who It's For

This policy type is commonly chosen by older adults who want to spare their families the cost of a funeral, medical bills, or small debts. It’s an excellent choice for those who don’t have large financial needs but still want to provide practical support.

Key Considerations

These policies are generally easier to qualify for, often requiring no medical exam. Premiums remain level for life, and the benefit is guaranteed as long as the policy is kept in force. However, the smaller coverage amount may not be enough for individuals with broader financial goals.

How to Choose the Right Policy

Evaluate Your Current Situation

Start by considering your age, health, income, and overall responsibilities. A younger parent with dependents may need a different policy than a retiree looking to cover funeral expenses. Think about who depends on you financially and how long they might need support.

Estimate Your Coverage Needs

Add up potential expenses your loved ones may face, including funeral costs, mortgage balances, daily living expenses, educational support, or any remaining debts. This total can help you determine the appropriate amount of coverage.

Understand Policy Features

Term life is generally best for short-term, high-impact needs. Whole life offers long-term security and steady growth. Universal life allows for flexibility and change. Final expense insurance provides a simple way to manage final costs. Understanding the features and limitations of each can help guide your decision.

Applying for Life Insurance

Once you’ve chosen a type and determined the amount of coverage you need, the next step is applying. This often involves filling out a basic questionnaire about your health and lifestyle. Some policies may require a brief medical exam, but others do not. After approval, you’ll begin paying premiums, and your coverage will begin.

Naming a beneficiary is an important part of this process. This could be a spouse, child, close family member, or even an organization. Your beneficiary will be the person who receives the payout when the policy is used.

Frequently Asked Questions

Many people wonder whether they need life insurance if they’re single or if their children are already grown. The truth is that even if you don't have dependents, life insurance can help with final expenses, settle debts, or provide a financial gift. Others ask whether policies can be changed later. Some can, especially universal life policies, while others are more fixed in structure. Some individuals also carry more than one policy to serve different purposes. For example, a person might have a term policy for income replacement and a small whole life policy for burial expenses.

Final Thoughts

Life insurance is not just about planning for the unknown, it’s about taking steps today to care for the people you love tomorrow. It provides stability during uncertain times and helps ensure your family won’t face financial stress while grieving your loss. Whether you're just getting started or reviewing your options later in life, understanding the difference between term, whole, universal, and final expense insurance can help you make informed choices that align with your values and goals.

If you’re unsure where to begin, speaking with a licensed professional or trusted advisor can help clarify your needs and guide you toward a policy that fits both your budget and your peace of mind.

June 2025 Newsletter

Thu, 19 Jun 2025 19:49:55 GMT

What’s New This Month: Smiles, Dads, and Summer Sunshine

June brings longer days, warm weather, and the perfect excuse to slow down and reconnect with what matters most our health, our families, and the support systems we trust. At Crawford Benefits, we’re embracing this season with a mix of celebration and education. From health awareness to personal milestones, this issue highlights meaningful topics that affect the lives of the people we serve.

In this edition, you’ll find updates on Oral Health Month, an exciting new video series explaining the ins and outs of Life Insurance, and a special Father’s Day spotlight on our incredible team. We’ve also included a friendly reminder to report any income changes that could impact your tax credits, and to top things off, we’ve picked two refreshing summer recipes you can easily try at home. There’s something in this month’s issue for everyone take a few minutes and enjoy.

Oral Health Month: A Healthy Smile Starts with Coverage

Taking care of your teeth isn’t just about looking good it’s a crucial part of staying healthy overall. June is Oral Health Month, and that means it’s a great time to take stock of your dental coverage and schedule those regular checkups. Early detection of cavities, gum disease, and other dental issues can save you time, money, and discomfort in the long run.

Having active dental benefits ensures you can access cleanings, exams, and preventive care without breaking the bank. If you’re unsure whether your current plan includes dental coverage or if you’re looking for an affordable option, we’re here to help. Our team can walk you through your choices and make sure you’re set up with a plan that fits your needs and budget.

Now Playing: Life Insurance Video Series

We just launched a new video series that breaks down the basics of Life Insurance in a clear, simple way. Whether you're new to life insurance or just want a refresher, this series can help you understand what coverage you may need and why it matters.

Continue the series:

Understanding Term Life Insurance

Whole Life Insurance

Understanding Universal Life Insurance

Have questions after watching? We’re happy to talk through your options and help you find the right fit.

Celebrating the Fathers of Crawford Benefits

This past Father’s Day, we took time to celebrate the incredible dads who are part of our Crawford Benefits family. From team members who balance work and parenting with grace to the fathers who raised us and shaped our values. This month’s spotlight is all about appreciation. Family has always been at the heart of what we do, and honoring the people who support us both at home and at work is something we’re proud to share.

We’ve included a photo from our office of the dads who help make Crawford Benefits what it is today. Their stories, dedication, and leadership continue to inspire our team and our clients every day. Take a moment to check it out you might just spot a familiar face or two.

Reminder: Let Us Know About Income Changes

If your household income has recently changed, now is the time to update your application. Even small shifts in income can impact your eligibility for tax credits or affect the cost of your current health plan. Letting us know early can help prevent issues like overpayment or having to reconcile unexpected costs during tax season.

Many people don’t realize that waiting too long to update their information can result in unexpected tax consequences. Our goal is to help you avoid those headaches with a simple, proactive reminder. Just give us a quick call or send an email we’ll take care of the rest and make sure your coverage stays accurate.

Summer Recipes to Savor

�� Watermelon Lemonade

The ultimate summer sip cool, fruity, and just the right balance of sweet and tart.
�� Get the recipe

�� Summer Salad with Fruit

This salad is fresh, colorful, and full of texture. It’s perfect as a light lunch or side.
�� Try it here

Thanks for Reading!

We're always glad to help you stay informed and covered. Have a question or a topic you'd love to see next month?

Email us at info@michellecrawfordbenefits.com .

If you need help with your policy, coverage options, or anything else just reach out. We're here for you!

Vision Health 101: Why Routine Eye Exams Are Essential

Thu, 22 May 2025 17:21:46 GMT

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Vision care often falls to the bottom of the priority list, especially for individuals without noticeable changes in their eyesight. However, routine eye exams are a key part of preventive healthcare—and their benefits extend well beyond correcting vision. Regular visits to an optometrist or ophthalmologist can help detect broader health issues, protect against vision loss, and contribute to your overall well-being.

What Happens During a Comprehensive Eye Exam?

A routine eye exam is more than just reading an eye chart. It typically includes:

Visual acuity testing (how well you see at various distances)
Eye muscle and alignment tests
A refraction assessment to determine prescription needs
Examination of the retina and optic nerve (often using dilation)
Screening for eye conditions such as glaucoma, macular degeneration, or cataracts

Depending on your health history, your provider may also check for signs of systemic conditions like diabetes or high blood pressure.

Why Eye Exams Matter—Even with Good Vision

Many eye diseases develop slowly and without symptoms. By the time vision changes occur, damage may already be significant. A comprehensive eye exam can reveal early warning signs of:

Diabetic retinopathy
Hypertension
Glaucoma
High cholesterol
Neurological concerns such as increased intracranial pressure or stroke risk

In some cases, an eye exam may be the first indication of an undiagnosed medical issue.

How Often Should You Have an Exam?

The American Optometric Association offers the following general guidance:

Adults aged 18–60: Every one to two years
Adults aged 61 and older: Annually
Children: First eye exam at 6–12 months, then periodically as recommended
Individuals with health risks (e.g., diabetes, a family history of eye disease): More frequent exams may be required

Vision Insurance vs. Medical Insurance

It’s important to understand that vision insurance typically covers routine eye exams and benefits for lenses, frames, or contacts. Medical insurance, on the other hand, may cover eye care only when related to a medical condition or emergency.

Protecting Your Eye Health

Whether you need corrective lenses or not, annual eye exams help safeguard your vision and overall health. Consider scheduling a routine exam this year—and encourage others in your family to do the same.

Aging Off Your Parent’s Health Plan: What You Need to Know

Thu, 22 May 2025 17:15:26 GMT

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For young adults, aging off a parent’s health insurance plan can be a challenging transition. This life event usually happens when you turn 26, which is the age when you can no longer be covered under your parents’ plan, according to the Affordable Care Act (ACA). However, this shift doesn’t have to be a stressful one if you’re prepared and informed about your options.

When Do You Age Off Your Parent’s Health Insurance?

Under the ACA, young adults can remain on their parent’s health insurance plan until the age of 26. Once you reach this age, you will need to secure your own health insurance coverage. The exact date you age off your parent’s plan depends on your birthday and your parent's insurance renewal period. For many, this happens on their birthday or at the end of the month in which they turn 26.

What Are Your Options After Aging Off?

Once you age off your parent’s health plan, you’ll need to find new coverage. Here are some options:

1. Marketplace Insurance: You may be eligible for a plan through the healthcare marketplace. If you’re under 30, you can also consider a Catastrophic Plan, which provides low premiums but high deductibles for young, healthy individuals.

2. Employer-Sponsored Insurance: If you have a job that offers health benefits, you may be able to enroll in your employer’s plan. Open enrollment periods for employer plans may vary, so it’s important to check when you can apply. Typically, aging off a parent’s plan would create a qualifying event to enroll in the employer coverage.

3. Medicaid: If you’re on a limited income, you may qualify for Medicaid, which offers free or low-cost coverage depending on your state.

4. Parents’ Plan through COBRA: In some cases, you may be able to extend coverage under your parent’s plan via COBRA. However, this can be expensive, as you would need to pay the full premium yourself.

What Should You Consider When Choosing a New Plan?

• Affordability: Compare the cost of monthly premiums, deductibles, and copays. A plan that seems affordable in terms of premium costs might have high out-of-pocket expenses rendering using the plan when needed unaffordable.

• Coverage: Make sure the new plan offers coverage for the services you need, such as prescriptions, preventive care, mental health services, and emergency care. All ACA plans will offer these benefits, but if you are looking at short term or some other type of plan, these basic services may be omitted.

• Networks: Check if your preferred doctors and healthcare providers are included in the plan's network.

Take Action

Start preparing ahead of time. Don’t wait until the last minute to explore your options. If you’re aging off a parent’s plan, consider starting your search for coverage at least 60 days before you lose your existing plan. This will give you plenty of time to review different options and choose the best plan for your needs. We recommend using a qualified agent who represents multiple options to ensure you get the best product and price for your needs.

New Year, New You

Mon, 13 Jan 2025 21:00:47 GMT

Health Resolutions for a Healthier 2025

As 2025 begins, it’s time to focus on improving health and well-being. Here are some simple yet impactful resolutions to make this year healthier:

1. Prioritize Preventive Care

Schedule check-ups, screenings, and vaccinations early to catch potential health concerns before they escalate.

2. Move Daily

Stay active with activities you enjoy, like walking, yoga, or dancing. Aim for 30 minutes of moderate exercise most days.

3. Eat Nutrient-Rich Foods

Add colorful fruits, vegetables, lean proteins, and whole grains to your diet. Small swaps, like choosing water over sugary drinks, can make a difference.

4. Care for Your Mental Health

Dedicate time to reduce stress with meditation, journaling, or time in nature. Seek professional support if needed.

5. Improve Sleep Habits

Commit to consistent bedtimes, relaxing routines, and minimizing screens before bed. Aim for 7-9 hours of sleep nightly.

6. Strengthen Connections

Nurture relationships with friends and family through meaningful interactions. Social ties boost happiness and health.

7. Set Realistic Goals

Break big goals into smaller, achievable steps and celebrate progress.

8. Stay Hydrated

Drink at least 8 cups of water daily. Enhance it with a slice of lemon or cucumber for flavor.

9. Limit Screen Time

Take breaks, create screen-free zones, and replace digital activities with offline ones.

10. Give Back

Volunteering or helping others enhances your sense of purpose and well-being.

The Bottom Line

Focus on small, sustainable changes for lasting health benefits. Here’s to a happy, healthy, and fulfilling 2025

The Importance of Creating a Profile in Your Health Insurance Carrier Portal

Fri, 20 Dec 2024 15:05:33 GMT

In today’s digital age, managing your health insurance has never been easier—and creating a profile on your health insurance carrier’s portal is the key to unlocking this convenience. Whether you’re new to a plan or have been with the same carrier for years, setting up an online account can save you time, reduce stress, and provide quick access to critical information. Here’s why having a portal profile is a must for every policyholder.

1. 24/7 Access to Your Plan Details

Once you create a profile, you can log in anytime to view your plan’s coverage details, including deductibles, copayments, and out-of-pocket maximums. This eliminates the need to sift through paperwork or wait for customer service during business hours.

2. Easily Access ID Cards

Misplaced your health insurance ID card? No worries. Most carrier portals allow you to download digital versions of your ID cards instantly. This is especially helpful during doctor visits, pharmacy runs, or when managing a family member’s care.

3. Track Your Claims and Benefits

Understanding what’s been paid, what’s pending, and what you owe is essential. With a portal profile, you can monitor your claims in real time and review your Explanation of Benefits (EOB) statements without waiting for mail delivery. This transparency helps you stay on top of your healthcare finances.

4. Find In-Network Providers

Looking for a doctor, specialist, or facility within your plan’s network? Carrier portals often feature search tools that allow you to locate in-network providers quickly. Staying in-network ensures you maximize your benefits and minimize out-of-pocket costs.

5. Manage Prescriptions

Many portals include tools to review your prescription drug coverage, locate preferred pharmacies, and even refill medications. If your plan uses mail-order pharmacy services, you can manage and track deliveries right from your portal account.

6. Receive Important Notifications

Carriers often send critical updates and reminders through their portals, such as policy changes, claims updates, or renewal notices. Creating a profile ensures you don’t miss out on timely information that could affect your coverage or healthcare decisions.

7. Save Time on Customer Support

Need to update your address, change coverage details, or check on a claim? Instead of waiting on hold with customer service, you can make many changes and inquiries directly through your portal. This self-service option saves you valuable time and simplifies plan management.

8. Stay Organized

Your health insurance portal acts as a central hub for all your healthcare information. From claims history to medical expenses, having everything organized in one place makes it easier to track spending and plan for future healthcare needs.

Take Charge of Your Health Insurance

Creating a profile in your health insurance carrier portal empowers you to take control of your healthcare experience. With easy access to your plan details, claims, ID cards, and more, you’ll save time, reduce stress, and make the most of your benefits. If you haven’t already, take a moment to register today—your future self will thank you!

Mythbusting Health Insurance

Mon, 25 Nov 2024 13:25:54 GMT

Separating Fact from Fiction

Navigating health insurance can feel overwhelming, especially with all the myths and misconceptions floating around. Let’s debunk some of the most common myths to help you make informed decisions about your coverage.

Myth 1: “I’m healthy, so I don’t need health insurance.”
While it’s great to be in good health, accidents and unexpected illnesses can happen to anyone. Health insurance ensures you’re financially protected from costly medical bills, even for routine care like check-ups, vaccinations, and screenings that help you stay healthy.

Myth 2: “All health insurance plans are the same.”
Not true! Plans differ significantly in terms of premiums, deductibles, networks, and coverage. It’s important to compare plans to find one that fits your needs and budget. Choosing the wrong plan could mean higher out-of-pocket costs or limited access to your preferred doctors.

Myth 3: “I can’t afford health insurance.”
Many people believe health insurance is too expensive, but financial assistance and subsidies are available for qualifying individuals. Additionally, having insurance can save you money in the long run by covering preventive care and reducing out-of-pocket costs for major medical needs. Can you really afford NOT to have it?

Myth 4: “Health insurance covers everything.”
While health insurance provides critical coverage, not all services are included. For example, cosmetic procedures, alternative therapies, and some prescription drugs might not be covered. Many services (and some medications) will also require prior authorization to be considered a payable claim. Always review your policy details to understand what is and isn’t included.

Myth 5: “I can only enroll at any time during the year.”
Health insurance typically has a set enrollment period, but there are exceptions. Qualifying life events, such as getting married, having a baby, or losing other coverage, may allow you to enroll during a Special Enrollment Period.

Take Control of Your Health Insurance Choices
Understanding the facts about health insurance helps you make the best choices for you and your family. Don’t let myths hold you back—take the time to research, ask questions, and find the coverage that works for you.

If you’re feeling unsure about your options, reach out for guidance. The right plan can offer peace of mind and protect your health and finances.

Maximizing Telehealth During Busy Seasons

Mon, 14 Oct 2024 17:42:59 GMT

Your Guide to Convenient Care

When life gets hectic, telehealth can be a lifesaver, offering fast, convenient access to healthcare without disrupting your day. Here’s how to make telehealth work for you, even during the busiest times.

1. Save Time with Virtual Appointments

Telehealth allows you to see a doctor without leaving your home. Skip the commute, avoid waiting rooms, and find flexible appointment times that fit your schedule—even during evenings and weekends.

2. Access Care Anywhere, Anytime

With telehealth, you can access care wherever you are. Many platforms offer quick consultations and follow-ups, so whether you need a check-up or mental health support, you can easily get the help you need.

3. Stay Safe During Flu Season

Avoid exposure to germs by using telehealth for non-emergency needs, especially during flu season. It’s an ideal option for those with young kids, chronic conditions, or weakened immune systems.

4. Manage Chronic Conditions Remotely

For ongoing health needs, telehealth offers remote monitoring, helping you stay on track without frequent trips to the doctor. Virtual follow-ups for lab results or medication adjustments save you time and keep you informed.

5. Access Mental Health Services Easily

Telehealth also includes mental health services, from therapy sessions to medication management. With on-demand options available, you can address mental health needs without added stress.

6. Get Prescriptions and Refills Quickly

Many telehealth providers can prescribe or refill medications, sending them directly to your pharmacy. This convenient process keeps your health on track while you stay focused on your daily responsibilities.

7. Check Your Insurance Coverage

Most insurance plans now cover telehealth. Check with your carrier to understand your coverage and make the most of any benefits, which often include free or reduced-cost visits.

Tips for a Smooth Telehealth Visit

Choose a private space. Find a quiet, private spot where you can speak freely.

Test your tech. Ensure your device, internet, and apps are ready to go.

Be prepared. Have questions or concerns ready to discuss, and follow up if needed.

Embrace the Convenience of Telehealth

Telehealth provides flexible, safe, and accessible healthcare, especially when life gets busy. Make telehealth part of your routine for convenient, stress-free care that fits into your schedule.

Beware of Health Insurance Scammers: How to Protect Yourself

taylor@michellecrawfordbenefits.com (Taylor Mason) — Wed, 18 Sep 2024 20:28:44 GMT

Beware of Scams

Beware of Health Insurance Scammers: How to Protect Yourself

In today's world, health insurance is more crucial than ever. It provides financial protection and access to necessary medical services, making it an essential part of our lives. However, with the importance of health insurance comes the risk of falling prey to scammers who prey on our fears and confusion about health coverage. These scammers can cause significant financial and emotional damage, but by staying informed and vigilant, you can protect yourself from their schemes.

Common Scams to Watch Out For

Phishing Calls and Emails Scammers often use phishing tactics to trick people into revealing personal information. They might call or email you, pretending to be from a legitimate insurance company, and ask for sensitive details like Social Security numbers, bank account information, or policy numbers. These scammers may use high-pressure tactics or create a sense of urgency to make you act quickly without verifying their identity.
Fake Insurance Plans Some scammers offer fake health insurance plans that sound too good to be true. They might advertise incredibly low premiums or extensive coverage, but once you sign up, you find that the plan doesn’t exist or doesn’t cover what you were promised. These fraudulent plans often leave you without coverage when you need it most.

*If someone proposes a plan without taking your current plan into account, they may be prioritizing their own interests over yours.*

3. Medicare Scams With the aging population, Medicare scams have become increasingly common. Scammers might contact seniors with offers of free medical equipment, services, or special discounts on Medicare plans. They may ask for personal information or payment for services that are either subpar or nonexistent.

4. Identity Theft Some scammers focus on stealing personal information to commit identity theft. They might use health insurance as a cover to get access to your personal details, which they then use to open credit accounts, take out loans, or engage in other forms of financial fraud.

How to Protect Yourself

Verify Sources Always verify the legitimacy of any communication you receive regarding health insurance. If you receive a call, email, or letter from an insurance company, use the official contact information on their website to confirm that the communication is genuine. Avoid using contact details provided in unsolicited messages. If you are questing legitimacy, make sure to verify display name AND email address as businesses typically have their own domain. Beware of people saying, “I am calling from your agents office”. Our office will always identify ourselves as “Hi this is __________ from Crawford Benefits”.
Be Skeptical of Unsolicited Offers Be cautious of unsolicited offers for insurance plans or medical services, especially if they require immediate payment or personal information. Legitimate insurance companies and providers do not pressure individuals into making hasty decisions.
Check the Fine Print Before signing up for any insurance plan, thoroughly review the policy documents and terms. Ensure you understand the coverage details, exclusions, and costs. If something seems unclear or too good to be true, seek advice from a trusted advisor or insurance expert. Make sure that you request a Summary of Benefits (SOB) before enrolling in a plan.
Protect Your Personal Information Be mindful of where and how you share your personal information. Use secure websites and avoid sharing sensitive details over the phone or email unless you’re certain of the recipient’s identity.
Report Suspicious Activity If you suspect you’ve been targeted by a scam or have encountered a fraudulent insurance offer, report it to the Federal Trade Commission (FTC) or your state insurance regulator. Reporting scams can help prevent others from falling victim and may assist in bringing scammers to justice.
Educate Yourself Staying informed about common scam tactics and the latest fraud schemes can help you recognize potential scams more easily. The more you know, the better equipped you’ll be to protect yourself from fraudulent activities.

Conclusion

Health insurance is a vital part of maintaining your health and financial security, but it’s essential to be cautious and informed to avoid falling victim to scammers. By verifying sources, being skeptical of unsolicited offers, protecting your personal information, and reporting suspicious activities, you can safeguard yourself and your loved ones from health insurance fraud. Remember, a little vigilance goes a long way in ensuring that your health coverage is both reliable and legitimate. Stay safe and informed!

How Air Quality Can Drive Up Health Insurance Costs

Mon, 12 Aug 2024 13:56:02 GMT

Bad Air Quality = Higher Heath Insurance Costs

Air quality isn’t just a factor in your daily comfort—it also has a significant impact on your health insurance costs. As pollution levels rise, so do the risks to your health, which can lead to increased insurance premiums and out-of-pocket expenses. Here’s how poor air quality can affect your health insurance and what you can do about it.

The Link Between Air Quality and Health

Respiratory Health Issues
Acute Effects: Pollutants like particulate matter (PM2.5) and ground-level ozone can exacerbate asthma and cause respiratory infections. This often results in more frequent medical visits and higher prescription costs.
Chronic Conditions: Long-term exposure to poor air quality can lead to chronic respiratory diseases such as chronic obstructive pulmonary disease (COPD) and lung cancer. These conditions require ongoing treatment and management.
Cardiovascular Problems
Pollutants contribute to inflammation and damage to blood vessels, increasing the risk of heart attacks and strokes. Managing these conditions often involves costly medical procedures and medications.
Mental Health Concerns
Studies suggest that poor air quality may be linked to mental health issues, including depression and cognitive decline. The associated healthcare needs can increase both medical costs and insurance premiums.

How Poor Air Quality Affects Health Insurance Costs

Increased Claims and Premiums
Higher rates of illness and chronic conditions due to poor air quality lead to more insurance claims. Insurers factor these claims into their pricing models, often resulting in increased premiums for everyone, not just those affected.
Higher Out-of-Pocket Costs
Frequent medical visits and prescription medications for conditions linked to poor air quality can lead to higher out-of-pocket expenses. This includes co-pays, deductibles, and other costs not covered by insurance.
Impact on Insurance Providers
Insurers may raise premiums across the board to cover the increased risk associated with poor air quality. This is because the overall health of the population affects insurance risk pools and cost calculations.
Long-Term Financial Impact
Chronic conditions resulting from poor air quality require long-term treatment, which can drive up both personal healthcare costs and the overall expense for insurance providers. This often translates to sustained higher premiums over time.

Steps to Mitigate the Impact

Monitor Air Quality
Stay informed about local air quality levels and take precautions when pollution is high. Reducing exposure can help prevent health issues and keep medical costs in check.
Invest in Air Purifiers
Using high-quality air purifiers at home can reduce indoor pollution and minimize the risk of health issues related to poor air quality. This can potentially lower your need for medical care and associated insurance claims.
Support Clean Air Policies
Advocate for and support policies aimed at reducing air pollution. Cleaner air contributes to better public health, which can help stabilize insurance costs for everyone.
Maintain a Healthy Lifestyle
Regular exercise, a balanced diet, and staying hydrated can improve your overall health and resilience to environmental stressors. A healthier lifestyle can reduce the likelihood of developing conditions that lead to higher insurance costs.

Conclusion

The connection between air quality and health insurance costs is clear: poorer air quality can lead to higher medical expenses and increased premiums. By understanding this link and taking proactive steps to protect your health, you can potentially mitigate these financial impacts. Stay informed, invest in air quality improvements, and support clean air initiatives to help manage your health and insurance costs effectively.

What Does Enrolling In Medicare Look Like If I Have Employer Coverage?

Fri, 02 Aug 2024 13:37:47 GMT

What should you do?

What Does Enrolling in Medicare Look Like If I Have Employer Coverage?

Navigating Medicare while you have employer coverage can feel like a complex dance, but understanding the key steps can help you make informed decisions about your health care. Here's a comprehensive guide to help you understand what enrolling in Medicare entails when you already have coverage through your employer.

1. Understand the Basics of Medicare

Medicare is a federal health insurance program primarily for individuals who are 65 or older, though younger individuals with disabilities can also qualify. It consists of several parts:

Part A: Hospital insurance
Part B: Medical insurance
Part C: Medicare Advantage (a private plan that combines Parts A, B and usually D benefits)
Part D: Prescription drug coverage

2. Determine If You Need to Enroll

When you are enrolled in employer coverage by active employment, you may not need to enroll in Medicare right away. Here’s how to determine if you need to enroll:

Size of the Employer: If your employer has 20 or more employees, your employer coverage is considered “creditable” compared to Medicare. This means you can delay enrolling in Medicare Part B without facing a late enrollment penalty.
Insurance Plan Details: Review your current insurance plan. Ensure it provides good coverage and understand how it coordinates with Medicare.

3. Enrollment Periods

There are specific times when you can enroll in Medicare:

Initial Enrollment Period (IEP): Begins three months before you turn 65, the month of your birthday, and 3 months following.
Annual Enrollment Period (AEP): Runs from October 15 to December 7 each year, if you didn’t sign up during your IEP.
Special Enrollment Period (SEP): Available if you have coverage through an employer, usually when you or your spouse stop working or lose the employer coverage.

4. Deciding Whether to Enroll in Part A and/or Part B

Medicare Part A: Generally, it’s advisable to enroll in Part A when you turn 65, even if you have employer coverage. Most people qualify for premium-free Part A, which means it won’t cost you anything extra. Part A can serve as secondary insurance to your employer plan, potentially covering additional expenses.
Medicare Part B: This is optional if you have employer coverage, but it’s worth considering. Part B has a monthly premium, and if your current plan is robust, you might choose to delay enrollment. If you delay, ensure you have documentation of creditable coverage to avoid late enrollment penalties.

5. Coordination of Benefits

When you’re covered by both Medicare and an employer plan, coordination of benefits determines which insurance pays first. Typically, your employer plan pays first if the employer has 20 or more employees. Medicare will pay secondary, potentially covering costs that your employer plan doesn’t. If you work for a group with less than 20 employees, your Medicare will be primary and the group coverage will be secondary.

6. Review Your Coverage Regularly

It’s important to regularly review your health care needs and coverage options. As you approach retirement or experience changes in your employment status, you’ll need to reassess your Medicare enrollment decisions. Ensure you’re aware of any changes in your employer coverage or Medicare regulations that might affect you.

7. Seek Professional Advice

Navigating Medicare with employer coverage can be intricate, and personal circumstances can greatly affect your choices. It’s often beneficial to consult with a benefits advisor, a Medicare specialist, or a financial planner who can help you make the best decisions based on your specific situation.

Conclusion

Enrolling in Medicare while having employer coverage doesn’t have to be daunting. By understanding the basics of Medicare, knowing your enrollment options, and coordinating benefits between Medicare and your employer plan, you can make informed choices that best suit your health care needs. Keep yourself updated on any changes and consider seeking professional advice to ensure your health coverage remains optimal as you approach retirement.

Vision Benefits

Fri, 19 Jul 2024 19:59:34 GMT

Making informed decisions about your eye care coverage can be intimidating but is crucial, and understanding your coverage types is key.

Within a medical plan, vision coverage is often bundled with general healthcare services. While this typically includes essential eye care, it's essential to recognize that additional coverage options might be necessary. Services such as floaters, vision loss, cataracts, and macular degeneration may be covered under your medical plan. Standalone vision plans offer extensive protection tailored explicitly for eye care. From routine check-ups to the procurement of glasses or contacts, these plans are designed to cater to your specific vision requirements with flexibility and customization. There are instances where opting for a standalone vision plan is an advantage, particularly when specific vision needs demand frequent updates to eyewear or contact lenses. The extended coverage and flexibility of a vision plan can prove beneficial in such scenarios. While a medical plan may encompass some vision benefits, it's imperative to assess the advantages of dual coverage.

Understanding the limitations and extent of coverage is crucial in making an informed decision regarding your eye care needs. Vision benefits integrated into a medical plan often offer essential eye care services alongside broader healthcare coverage. However, the scope of these benefits may vary, and it's essential to review your plan's summary of benefits for clarity. In many cases, the vision benefits included in a medical plan may be limited, potentially leaving gaps in comprehensive vision care coverage. Understanding the scope of your vision benefits is crucial for maintaining overall wellness and ensuring you receive optimal advantages from your insurance plan.

It's essential to assess your unique vision care needs. Take time to explore available options, compare benefits and restrictions, and arrange a consultation to select the plan that best fits your requirements. For more information, please use the link below to watch a video that better breaks down this topic.

https://www.youtube.com/watch?v=Jp3f_cSoP4I

Benefits of Private Life Insurance

Fri, 19 Jul 2024 19:54:19 GMT

Benefits of Private Life Insurance

Private life insurance can indeed be a valuable option to consider, especially when transitioning between jobs or if your employer-provided coverage is insufficient. Here are some reasons why private life insurance is a good choice:

Portability: Often, employer provider life insurance ends when you leave the job, while private policies remain with you regardless of your employment status. This means you can maintain continuous coverage throughout your career transitions.
Customizable Coverage : Private life insurance policies often offer more flexibility and customization options compared to group policies provided by employers. You can tailor the coverage amount and terms to meet your specific needs, such as providing for your family's financial security or covering outstanding debts like mortgages.
Long-Term Security: Private life insurance policies are designed to provide long-term financial security for your loved ones in the event of your death. They offer peace of mind knowing that your beneficiaries will receive a death benefit that can help cover final expenses, replace lost income, cover living expenses, pay off debts, or fund future expenses like college tuition.
Supplemental Coverage: Even if you have employer-provided life insurance, it may not be sufficient to meet all your financial obligations or provide adequate protection. Private life insurance can supplement your existing coverage to ensure your loved ones are adequately protected in case of untimely death.
Stable Premiums : Private life insurance policies often come with stable premiums that are based on factors such as your age, health, and coverage amount at the time of application. This predictability allows you to budget for insurance expenses over the long term without worrying about sudden premium increases.
Tax Benefits: Depending on the type of policy you choose, private life insurance can offer tax advantages. For instance, death benefits are typically paid out income tax-free to your beneficiaries, providing them with a financial cushion during a difficult time without additional tax burdens.
Access to Cash Value: Some types of permanent life insurance policies (such as whole life or universal life) accumulate cash value over time, which you can access through policy loans or withdrawals. This feature can provide a source of emergency funds or supplement retirement income in the future. * Taking loans or withdrawals can impact the final death benefit. *

When considering private life insurance, it's essential to evaluate your current financial situation, future goals, and insurance needs. Consulting with a licensed insurance agent or financial advisor can help you navigate the options available and choose a policy that best fits your circumstances and objectives. By securing private life insurance, you ensure that you and your loved ones have a solid financial foundation, regardless of changes in your employment status.

How Fruits & Veggies can Lower Healthcare Costs

Fri, 19 Jul 2024 02:25:06 GMT

In the ever-evolving landscape of healthcare, where costs seem to soar higher with each passing year, the quest for cost-effective solutions can feel like an uphill battle. But what if I told you that one of the most powerful tools for curbing healthcare expenses might be hiding in plain sight—in the aisles of your local grocery store? Yes, you read that right: fruits and vegetables, those colorful, nutrient-packed staples of a healthy diet, could hold the key to not only vibrant health but also lower annual healthcare costs. Let's delve into this intriguing connection.

Prevention is the Best Medicine

We've all heard the adage "an ounce of prevention is worth a pound of cure," and when it comes to healthcare costs, truer words were never spoken. Research consistently shows that a diet rich in fruits and vegetables can significantly reduce the risk of chronic diseases such as heart disease, stroke, diabetes, and certain types of cancer. By fortifying our bodies with the vitamins, minerals, and antioxidants found abundantly in produce, we create a formidable defense against illness—a defense that can ultimately translate to fewer doctor's visits, fewer prescriptions, and fewer medical procedures.

A Pound of Produce, a Penny Saved

But the benefits of fruits and vegetables extend beyond prevention; they also offer tangible savings when it comes to managing existing health conditions. Consider this: obesity-related conditions like diabetes and hypertension account for a substantial portion of healthcare spending worldwide. Yet, by maintaining a healthy weight through a diet rich in fruits and vegetables, individuals can potentially mitigate the need for costly medications, surgeries, and hospitalizations. In essence, every apple, every carrot, every leafy green consumed is not just nourishing the body but also lightening the financial burden of healthcare expenses.

Putting Theory into Practice

So, how can we harness the power of produce to lower our annual healthcare costs? It begins with a simple yet profound shift in mindset: viewing food not just as fuel for the body but as medicine for the soul. By prioritizing fruits and vegetables in our daily diets—whether through crunchy salads, vibrant smoothies, or hearty vegetable stews—we can take proactive steps towards better health and financial well-being.

Moreover, investing in education and accessibility initiatives that promote fruit and vegetable consumption can yield dividends for entire communities. From school gardens to farmers' markets to nutrition education programs, there are myriad avenues through which we can empower individuals to make healthier choices and reap the rewards of reduced healthcare costs.

A Brighter, Healthier Future

In a world where healthcare expenses can sometimes feel overwhelming, the notion that something as simple as eating more fruits and vegetables could make a meaningful difference is both empowering and inspiring. So, let's embrace the abundance of nature's bounty, one delicious bite at a time, and savor the sweet taste of both health and financial savings.

As we embark on this journey towards a brighter, healthier future, let's remember that the power to lower our annual healthcare costs lies not in expensive treatments or pharmaceutical interventions but in the humble fruits and vegetables that grace our tables each day. Here's to a world where good health is within reach for all, and where the path to wellness is as simple as reaching for an apple or slicing up a cucumber.

Medicare Changes for 2024

Wed, 12 Jul 2023 13:36:00 GMT

�� Important News: 2024 Medicare Changes ��

Here's a quick overview of some of the upcoming changes to Medicare in 2024. If you or someone you know could benefit, please share!

1️⃣ Medicare Advantage:

✅ Enhanced provider directories, now including cultural and linguistic capabilities.

✅ More access to telehealth and digital health education.

✅ Culturally competent care guidelines to better meet needs of non-English speakers and those who are hearing impaired.

2️⃣ Medicare Part D:

✅ Coinsurance eliminated! This could save thousands for those with high-cost meds.

✅ More people now eligible for full benefits under the Part D Low-Income Subsidy Program.

✅ Base beneficiary premium increase capped at 6%.

Have questions or need assistance understanding these changes? Don't hesitate to reach out! We're here to help you navigate #Medicare2024 and ensure you get the best possible care at the most affordable cost. ��

Life Insurance: Start Young

Tue, 06 Jun 2023 15:07:00 GMT

One topic we often discuss with our younger clients -- that life insurance is not just something to consider in old age. Though more and more people are purchasing life insurance—in 2022, about 52% of Americans had life insurance in one form or another—many are still punting. Putting off purchasing life insurance only means that it will be more expensive later, and you may not qualify. Right now, you’re the youngest (and probably the healthiest) you’ll ever be, and life insurance premiums will only increase as you age. Even if you have group life insurance with your employer, you can always add an individual plan and minimize your premium. The best time to buy life insurance is 20 years ago. The second best time is today. Give us a call or send us an email to discuss your options.

Medicare OTC Benefits

Fri, 02 Jun 2023 19:00:00 GMT

This is a reminder to use up your second-quarter over-the-counter (OTC) credit before the third quarter begins on July 1. At that time, your third-quarter credit will be active, and any remaining funds from the second quarter will not be carried over. Your OTC credit can be used for a number of items—including pain relievers, cold medications, and sleep aids—so I do encourage you to take advantage of this benefit each quarter.

FYI regarding end of COVID declaration

Wed, 10 May 2023 14:00:00 GMT

With the COVID-19 public health emergency (PHE) expiring on May 11, 2023, We wanted to update you on some changes that may affect your insurance coverage.

COVID-19 vaccines : Although COVID-19 vaccines will eventually move to the commercial market, the U.S. government will continue to purchase and distribute vaccines after May 11. As a result, physicians can continue to order them for free, and you can receive them free of charge through your health insurance.

COVID-19 tests : Most Americans covered by Medicare, Medicaid, and private insurance during the pandemic were able to receive free COVID-19 tests and vaccines. Once the emergency ends, Medicare beneficiaries generally will face out-of-pocket costs for at-home testing, although state Medicaid programs will continue covering tests ordered by a physician. Private insurance users may have to pay for lab tests.

Medicaid enrollees : The Families First Coronavirus Response Act required Medicaid programs to keep beneficiaries continuously enrolled. That protection ended on April 1, 2023 because of the Consolidated Appropriations Act. Now, enrollees in some states who received Medicaid coverage for the past three years could lose their Medicaid, an event some have termed an “Unwinding” of Medicaid . That said, if you or a loved one is covered by Medicaid, be on the lookout for communication from Centers for Medicare & Medicaid Services (CMS), and please reach out to me if you have questions or concerns.

Telehealth: In the wake of the pandemic, the use of telehealth practices has grown — and it has been an essential lifeline for individuals in rural areas and those with limited mobility. Thankfully, many benefits and services provided during the pandemic have been made permanent, such as Medicare patients' access to telehealth services for behavioral or mental health care . Access to other telehealth benefits and services has also been extended through December 31, 2024.

Disability insurance: Preparing for the Unexpected

Thu, 06 May 2021 12:38:00 GMT

In a time when the global pandemic has changed the fabric of life as we know it, the theme “Reality Check” is more relevant now than ever. And the message is straightforward: Life can change quickly, and an illness or injury could take away your ability to earn a living. The truth is your income is your most valuable asset and provides for you and your loved ones. It’s easy to pretend accidents or ailments don’t happen, but the fact is, per the U.S. Social Security Administration, around one in four 20-year-olds will become disabled before they retire. That’s a scary stat, but there’s a way to set up a safety net. Long-term and short-term disability insurance protects your paycheck — and by extension, your family.

There are two types of disability insurance. Short-term disability insurance replaces a portion of your paycheck for a short period of time. Think three to six months. Long-term disability insurance, on the other hand, provides coverage if you’re out of work for a longer period of time. For instance, a family faced with a Parkinson’s diagnosis of an income earner would be faced with major life adjustments without the paycheck protection long-term disability provides. Likewise, as we have seen this past year, an illness that lasts a few weeks up to a few months can still devastate a person’s finances – and that is when short-term disability becomes the asset.

If anyone in your life depends on your income, you need disability insurance. Prepare today for the unexpected.

What is a Medicare Broker?

Wed, 21 Apr 2021 12:38:00 GMT

Independent Medicare Insurance Brokers – Who are they and what is it going to cost me?

At Crawford Benefits, we are Medicare insurance brokers. We are appointed with all major Medicare carriers so that we can give you unbiased advice on your Medicare plan options. As your agent, we will review all of the options available and recommend a plan that most closely fits your individual needs and budget.

What’s the benefit of using Crawford Benefits as your Medicare insurance broker?

Crawford Benefits provides personal back-end policy support that you do not get directly from an insurance company. Instead of you gaining frustration on the phone with insurance carriers and automated systems, we make the calls to help you with very common Medicare hiccups which can be otherwise stressful for you.

We help our clients daily with billing errors, Medicare appeals, solving pharmacy exceptions when they can’t get their medication, file claims, and so much more. We can interpret communications that you receive from Medicare or your carrier if you have questions. While every situation is different and we can’t guarantee outcomes, we are able to resolve many issues and offer policy assistance to our clients every day.

We also often provide simple and easy education to you about how Medicare works. Every year, thousands of Medicare beneficiaries feel frustrated after trying to read the Medicare handbook. At Crawford Benefits, we will educate you by breaking Medicare down into pieces that are easier to understand.

What is the cost of using a Medicare insurance agent?

The good news is in most cases we are paid by the carriers to service your plan*. You pay exactly the same rate for your insurance if you use us as your Medicare consultant/broker. This means in most cases, you pay ABSOLUTELY NOTHING for our help. Because we are contracted with all the major carriers, we are not incentivized by commissions, but focus solely on meeting the needs of our clients.

*We do reserve the right to obtain a minimal consulting fee in the event an insurance carrier will not compensate our agents. If we foresee this situation, our clients are informed of this fee prior to meeting with us.

Where is Crawford Benefits located and how can I make an appointment?

Crawford Benefits is an established agency operating at 2223 Brookstone Centre Parkway, Suite A, Columbus, Georgia 31904. We have two active agents as well as a support staff. We operate Monday – Friday and are accessible via phone, email, or in person. Our top priority is you, our client. We protect our time and our client base by not over-extending in order to give you the personal attention you deserve. Our agents know and care about our clients. We learn about your personal experience, your families, and your needs. When you choose Crawford Benefits as your Medicare agent, you will have someone by your side every step of the way not only during enrollment periods, but year-round. We would love the opportunity to meet you in person or over the phone. You can schedule a consultation on our website or by calling 706-257-5073. We look forward to partnering with you for your future insurance needs.

Oh, and we love referrals!

What is SilverSneakers?

Wed, 07 Apr 2021 11:00:00 GMT

SilverSneakers is a health and fitness program that provides gym access and fitness classes for Medicare members, and it’s included in some Medicare plans – at no cost to you!

SilverSneakers members can:

Access live online fitness classes and an on-demand video library of prerecorded workouts.
Take fun exercise classes designed for seniors of all fitness levels and led by trained instructors.
Go to thousands of gyms, community centers, and other participating fitness locations across the nation.
Download the SilverSneakersGO app to get your digital membership card and workouts
Find a friendly, supportive community in person and online.

You’ll find a variety of fun exercise classes designed for seniors of all fitness levels and interests, led by instructors trained in senior fitness. Classes vary whether you’re doing them online or in person, but if available, you’ll find:

Cardio and strength classes, which often offer a chair for support
Water aerobics classes
Chair and standing yoga classes
Tai chi, boot camp, and so much more!

You’ll get a basic membership at any gym and participating location in the SilverSneakers network. With your membership card, you can access thousands of participating gyms nationwide and have full access to the facility amenities. This means you can go to any participating location or class you like in the SilverSneakers network, even if you’re traveling.

Interested? Call us at the office today and let’s see if a Medicare Plan with SilverSneakers is right for you!

The American Rescue Plan and What It Means for You

Tue, 30 Mar 2021 23:04:00 GMT

The New Law

President Biden signed the American Rescue Plan Act of 2021 (ARP) into law on March 11, 2021. ARP makes major improvements in access to and affordability of health coverage through the Marketplace by increasing eligibility for financial assistance to help pay for Marketplace coverage.

The new law will lower premiums for most people who currently have a Marketplace health plan and expand access to financial assistance for consumers new to the Marketplace.

Under the new law, many people who buy their insurance through the Marketplace will become eligible to receive increased tax credits to reduce their premiums.

Starting April 1, 2021, consumers enrolling in Marketplace coverage will be able to take advantage of these increased savings and lower costs.

Lower costs and expanding access

Under the American Rescue Plan:

Individuals and families may be eligible for a temporary increase in premium tax credits for this year, with no one paying more than 8.5% of their household income towards the cost of the benchmark plan or a less expensive plan. Meaning, many consumers will be eligible for higher tax credit amounts to help cover their Marketplace health plan premiums.
Individuals and families get a temporary boost in their premium tax credits.
Most people across all household income levels will see lower premiums as a result of receiving more tax credits to reduce plan prices. Many consumers with household incomes from 100% to 150% FPL would have $0 premium plans (after tax credits) available to choose from when considering their options and selecting a plan.
Taxpayers who receive unemployment compensation during any week beginning in 2021 may be eligible to receive premium tax credits to help pay for 2021 Marketplace coverage.

Background on how premium tax credits work

For consumers who are eligible for premium tax credits to help purchase a Marketplace plan, an individual or a family’s tax credit amount is calculated based on the following factors:

Household’s total expected income for the year
Total number of people in the household that file taxes together
The premium amount of the second-lowest cost Silver plan in the consumer’s area in the Marketplace. This is the “benchmark” plan cost used to calculate premium tax credits. It’s not related to which plan a consumer actually chooses to enroll in.
The tax credit calculation uses a percentage of the household’s income that they need to contribute (spend) on monthly health insurance premiums. This amount is limited based on how their household income compares to federal poverty levels (FPL).
After the coverage year, consumers who had a Marketplace plan with premium tax credits during the year will need to file their federal income tax return for that year and reconcile the amount of tax credits they received in advance with the final premium tax credit calculation as a part of their tax return. If their house income turns out to be higher than what they estimated on their Marketplace application, the household may need to pay back some or all of the excess premium tax credit they received in advance as a part of filing their tax return. Depending on the circumstances the amount owed back may be capped.

Now is the Time to Take Action

We are scheduling appointments NOW to update your Marketplace application or to enroll new consumers in a Marketplace plan.
If you have an existing plan, you MUST have an updated application in order to receive the ADVANCED premium tax credit.

The only thing you need to do is make a quick call to our office, and let us handle the rest.

Call 706-257-5073 today!

Reference: Centers for Medicare and Medicaid Services

Savings for Marketplace Members Just Got a Little Sweeter

Tue, 16 Mar 2021 20:24:00 GMT

The current White House Administration is increasing the Advance Premium Tax Credit (APTC) for anyone who has Marketplace coverage. What does this mean for you?

The APTC is increasing across the board •Premiums will not exceed 8.5% of your income •Any Marketplace enrollees receiving unemployment at any point during 2021 may qualify for significant savings.
The APTC increase is automatic for all existing members (no action required)
This change will likely take effect in April 2021, with premiums reflecting the change in May,2021.

We can help you make changes or enroll in a plan that best fits your needs and your budget. Ready to schedule a consult? Give us a call at 706-257-5073 or schedule on our website at www.michellecrawfordbenefits.com!

*Advance Premium Tax Credit and/or premium percentage limits are applied to persons eligible for Marketplace.

We Work For You

Fri, 12 Mar 2021 14:27:00 GMT

There are two types of insurance agents: captive and independent. Captive agents work for an insurance carrier and are required to sell the carrier’s products exclusively. On the other hand, an independent agent is free to offer insurance from multiple carriers. At Crawford Benefits/Cunningham Insurance Inc., we have the ability to offer our customers options from the major and most competitive insurance carriers on the market. What does this mean for you?

When you have an independent insurance agent on your side, you are receiving objective, comprehensive information about multiple policies, narrowing down to the plan that best fits your needs, not the company’s needs. Bottom line, we work for you. When we become your agent, choosing a policy is just the beginning of the client-agent relationship.

We also service your plan. Whenever a question or issue arises, instead of calling an automated customer service line and speaking to a call center agent who doesn’t know your needs and situation, you call us. In most cases, we are able to handle questions or issues so you don’t have to spend time on the phone being transferred from one department to the next.

You also have the peace of mind in knowing someone is working for you … someone who knows your needs and who knows you. We take the time to learn about your needs, your family, and your life. We celebrate with you in the good times and we grieve with you during loss. As your agent, we offer stability year after year with the flexibility to choose from multiple carriers while remaining serviced by one agent who watches out for your best interests. Even if you already have a policy, we can still become your agent.

If you don’t have an agent working exclusively for you, isn’t it time to make a call?

Take a Digital Detox

Wed, 10 Mar 2021 13:21:00 GMT

It is close to impossible to avoid screens in today’s world. There are TVs in waiting rooms, tablets in schools, computers at work, and smartphones in most people’s pockets. As technology continues to emerge, and screens have become integrated into everyday life, we are missing out on seeing the world. When was the last time you, as a traveling passenger, put your phone away and enjoyed taking in the scenery outside of the car window?

If you’ve developed some unhealthy habits, a digital detox could help. Unplugging from technology on a short-term basis could be just the break you need to develop some healthier habits.

Some studies have linked excessive screen time to:

Sleeping problems-lack of sleep is deteriorating to your health, both mentally and physically.
Social problems-difficulty recognizing other people’s emotions and trouble communicating face-to-face with people can lead to increased conflict. Increased aggression- Some studies have linked aggressive media to aggressive behavior. Think about those not-so-nice exchanges on social media.
Depression-moderate to severe depression has been linked to higher screen time, especially in females.

Studies show that trading screen time for time in green spaces, such a sitting in the grass or around trees can help improve our attention span and reduce stress. Other studies have linked outdoor activities to helping improve problem-solving skills, creative thinking, and safety skills.

So, keep in mind, when you can’t sleep, have increased problems with friends, family and co-workers, or if you’re feeling abnormal aggressive behavior, you need a little Digital DETOX! Leave your cell phone on your desk or at home and go enjoy some time outside and breathing in some fresh air.

Take Care of What's Important

Fri, 05 Mar 2021 12:53:00 GMT

Supplemental health insurance is an insurance plan that covers costs beyond the limits of health insurance for things like accidents, short-term disability, critical illness, cancer – and more. Many supplemental plans provide you with a cash benefit paid directly to you . Is supplemental coverage right for you? Your first step is to let us do the foot work to determine whether you and your family are fully protected with a regular health plan and if a supplemental plan could benefit you. There's no one-size-fits-all answer, as it depends on your circumstances and the specific policy you're considering. Our agency is experienced and knowledgeable about plan limitations and benefits. A quick consultation can help you decide if supplemental insurance is right for you. We take care of what you need, so you can take care of what’s important.

Sunscreen: Don't Leave the House Without It!

Tue, 02 Mar 2021 21:30:00 GMT

Sunscreen not only saves your skin from premature aging, but it could also save your life by helping to prevent skin cancer. It’s important to use a sunscreen that says “broad-spectrum” or “UVA/UVB protection.” SPF does not measure how well a sunscreen will protect from UVA rays. UVA rays, while slightly less intense than UVB, penetrate your skin more deeply. Exposure causes genetic damage to cells on the innermost part of your top layer of skin, where most skin cancers occur. The skin tries to prevent further damage by darkening, resulting in a tan. While UVA and UVB rays differ in how they affect the skin, they both do harm. Despite the risk factors, you can safely, happily enjoy the great outdoors by protecting your skin against UV exposure with broad-spectrum sunscreen and sun-safe clothing, hats and eyewear. So, apply – and reapply – every time you are in the sun!

Live in the Moment with Peace of Mind Insurance

Tue, 02 Mar 2021 15:00:00 GMT

Life insurance is one of those products that’s easy to ignore because we always want to feel young and invincible. However, it’s wise to have a financial plan in place for your family. If you're asking yourself whether life insurance is worth it, the answer is simple. Is anyone counting on you? If the answer is yes, then life insurance is worth it — especially when you have loved ones who rely on you financially. A life policy provides peace of mind and is the best way to provide for those you love once you are gone. Life insurance affords the ability for your loved ones to maintain the standard of living you have built once you are gone or to fulfil dreams that you didn’t get the chance to do together. At a time when your family is processing grief, a life policy can ease the burden of handling living expenses. You want to protect your loved ones –take the steps today of protecting their financial future. Let us help you find the right plan so you can enjoy living in the moment with true peace of mind.

Eat More Avacados!

Wed, 24 Feb 2021 13:31:00 GMT

Avocados are a nutrient dense fruit that should be a part of your diet. Spread it on toast, whip up some guac, or blend it in a smoothie – there’s more than meets the eye with this delectable delight!

Avacados pack a punch of nutrients. They area great source of vitamins C, E, K, and B-6, as well as riboflavin, niacin, folate , pantothenic acid, magnesium , and potassium . They also provide lutein, beta-carotene , and omega-3 fatty acids.
Avocados are heart healthy. They contain 25 milligrams per ounce of a natural plant sterol called beta-sitosterol. Regular consumption of beta-sitosterol and other plant sterols has been seen to help maintain healthy cholesterol levels .
Avacados may ward off Osteoporosis. Half of an avocado provides approximately 25 percent of the daily recommended intake of vitamin K. This nutrient is often overlooked, but is essential for bone health.
Avacados are full of fiber. Improved digestion can help prevent constipation , maintain a healthy digestive tract, and lower the risk of colon cancer .

There are plenty of additional benefits to adding Avacados to your meals and snacks. The next time you are at the market, add a few to your cart!

Source: https://www.medicalnewstoday.com/articles/270406#diet

Stay Healthy During Winter

Thu, 11 Feb 2021 01:25:00 GMT

While COVID-19 fatigue combined with the cold weather may seem to make this season more challenging, there’s hope. There are plenty of ways to cultivate joy in your everyday life and prioritize your physical & mental health. Here are just a few tips!

Stay active no matter the weather outside. Winter may be the easiest time of year to blow off a workout: it’s too cold, it’s too dark, I just don’t feel like it — the list of excuses goes on and on. Ignore them! Your body needs the boost exercise delivers to the immune system and releases endorphins to stimulate the brain. Keep in mind every little bit of activity counts. Low-intensity activities, like yoga or walking outside, can boost your body’s metabolism, which is helpful this time of year when you’re in a “nesting” mode and spending lazy days inside filling up on comfort foods.

You can still eat fresh! The winter months are a good time for root vegetables — think beets, potatoes, and rutabagas — as well as citrus fruits, such as blood oranges, white grapefruit, and autumn honey tangerines. Root vegetables are high in potassium, while citrus fruits offer fiber and vitamin C to help boost immunity.

Take care of the skin you are in! Treat your skin to a humidifier. It's like a greenhouse - for your skin. You can also leave it on while you sleep, which can be helpful if you've come down with a winter cold or have sinus issues. Don't skip the sunscreen during winter months. Harmful UV rays still beat down in cold weather and can reach through clouds.

Stay on a healthy sleep/wake routine. By keeping your bedtime and wake-up time consistent, you’ll train your circadian rhythm and eventually your body will naturally stick to that schedule, meaning you’ll be more ready to fall asleep when it’s time, and wake up feeling more energized. This is especially crucial in the winter months when your body wants to spend more time in bed.

Stay in touch. In the time of COVID-19, social interaction is tough, however, still very important for a healthy mind (and heart!).

Stay safe, but stay in touch with those you love.

Keep It Simple

Wed, 27 Jan 2021 12:21:00 GMT

Feeling overwhelmed? The solution is to simplify. You may not have control over some daily stressors, but you can reprioritize and declutter the things you can control. Sometimes, the task of simplifying is anything but simple. It takes motivation and dedication to declutter life. But, we think you will find it has a great payoff. Try these steps to make life a little more simple:

1. Set monthly goals.

Set yourself 1-3 goals each month. Feel overwhelming? Okay, just start with one. Take it one day and one step at a time. By the end of the month, evaluate whether or not you met your goal and if you did, journal your accomplishment. If you were just shy of meeting, set it again for the following month. Goals in smaller, more manageable chunks of time are more achievable.

2. Carry a water bottle everywhere.

We all know staying hydrated is important, but it’s so much easier to do it if you keep a water bottle with you at all times. Fight brain fog with hydration!

3. Declutter your closet.

You know that feeling when you have too many clothes and nothing to wear? It's time to get honest, bite the bullet, and purge. If you haven't worn an item in the past 12 months, it is time to find that cute-but-never-worn top a new home - in someone else's closet. Donate your to a local charity.

4. Organize clothing by color.

Instead of organizing your clothing by type, try organizing by color. You'll find new outfit options with color combinations you didn't think of before.

5. Follow a quick morning routine.

Not everyone has time for an elaborate morning routine! Make things a little simpler and incorporate these quick and easy changes:

Drink one glass of water.
Keep your phone off (or at least away from your hand!).
MOVE. Don't have time for a workout? Give yourself 5 minutes to stretch, and if you have
time, even just a 5 minute walk to the end of your street and back can help your body prepare for the day.
Make your bed before you brush your teeth.
Set an alarm 20 minutes before you need to leave home for work. This will alert you to tie up those last minute details.

6. Put the crock pot to good use.

Drag that crock pot out of storage and put it to use. You'll thank yourself at the end of a long workday. Another hack - take some time over the weekend to put uncooked crock pot meals into freezer bags. In the morning, just grab a bag and toss it in the slow cooker. Voila!

7. Unsubscribe from emails.

We know, there's a lot. Make it a small goal to unsubscribe from 3 email lists every time you check your inbox. Before long, you'll have a less cluttered email feed (and less temptation to clutter your closet right back up with impulse purchases).

8. Make your lunch the night before work.

If you make your lunches ahead of time, you’ll make healthier choices by avoiding eating out and you will save money. It's a win win.

9. Create a follow-up email folder.

Instead of letting read emails pile up in your inbox because you don’t know what to do with them, move them to a follow-up folder. Pick a day of the week and check your follow-up folder to make sure you don’t forget about things.

10. Keep healthy snacks at hand.

Keep a stash of healthy snacks at your desk or at home to perk yourself up, increase metabolism, and feel less defeated during the workday. (Remember to drink water, too!)

11. Set a social alarm.

Mindlessly scrolling in the evenings is sure to overload the brain and take up precious time. Instead, set an amount of time to spend checking in with friends and staying up today. Once the alarm sounds, put the phone away. Wrap up daily tasks, have a conversation with your spouse or a loved one, read a book, or write in your journal. Instead of taking 10 minutes to prepare your to-do list in the morning, write your list before bed. This way, those pesky to-dos will be out of your head, and you’ll have much a more peaceful sleep. You might be surprised how much these simple changes improves your mood and declutters your brain!

12. Slow down.

So many of us are rushing through life, trying to get a million things done at once while attempting to absorb as much information as we can at the same time. Take a few minutes to think about the areas of your life where you’ve been rushing, and come up with a plan to slow down and be a little more deliberate.

How do you simplify life? Share with us on facebook!

Short Term Medical Insurance

Fri, 22 Jan 2021 13:51:00 GMT

Short term medical insurance is health coverage designed to cover individuals for a pre-determined length of time, from 1 to 36 months.

For example, here are a few reasons one might consider short term medical insurance:

Those who missed the open enrollment period for major medical
Individuals who are in a probationary period at a new job and waiting for benefits to begin
Students who are leaving parental coverage
Individuals who aren’t eligible for other health insurance

Short term health insurance is flexible and affordable, but it isn’t for everyone. These plans don’t typically offer the same amount of coverage as long-term health insurance and they are not ACA coverage, or minimum essential coverage. Most short term plans provide varied levels of coverage for preventive care, doctor visits, urgent care, and emergency care - making sure you are able to access care when you need it. For the right situation, short term insurance plans can provide fast, flexible, temporary health insurance coverage that fits your needs. Crawford Benefits can help you determine if short term medical coverage fits your individual situation and help you choose the right plan for your budget and your needs.

Important Medicare Dates

Mon, 18 Jan 2021 13:44:00 GMT

When can I join, switch, or drop a plan?

You can join, switch, or drop a Medicare health plan or a Medicare Advantage Plan (Part C) with or without drug coverage during these times:

Initial Enrollment Period. When you first become eligible for Medicare, you can join a plan (see page 17).
Open Enrollment Period. From October 15 – December 7 each year, you can join, switch, or drop a plan. Your coverage will begin on January 1 (as long as the plan gets your request by December 7).
Medicare Advantage Open Enrollment Period. From January 1 – March 31 each year, if you’re enrolled in a Medicare Advantage Plan, you can switch to a different Medicare Advantage Plan or switch to Original Medicare (and join a separate Medicare drug plan) once during this time.

Celebrating the Holidays Safely

Thu, 17 Dec 2020 14:35:00 GMT

We hope all of our clients are able to enjoy a safe, healthy holiday season. Celebrating in 2020 may require different actions and activities and the following excerpt from a CDC article offers considerations for gathering this season.

From the Centers for Disease Control and Protection:

The COVID-19 pandemic has been stressful and isolating for many people. Gatherings during the upcoming holidays can be an opportunity to reconnect with family and friends. This holiday season, consider how your holiday plans can be modified to reduce the spread of COVID-19 to keep your friends, families, and communities healthy and safe.

CDC offers the following considerations to slow the spread of COVID-19 during small gatherings. These considerations are meant to supplement—not replace—any state, local, territorial, or tribal health and safety laws, rules, and regulations with which all gatherings must comply.

Considerations for Attending or Hosting a Small Gathering

Below are some general considerations for hosting a gathering that brings together people from different households. Guests should be aware of these considerations and ask their host what mitigation measures will be in place during the gathering.

Hosts should consider the following:

Check the COVID-19 infection rates in areas where attendees live on state, local, territorial, or tribal health department websites or on CDC’s COVID Data Tracker County View. Based on the current status of the pandemic, consider if it is safe to hold or attend the gathering on the proposed date.
Limit the number of attendees as much as possible to allow people from different households to remain at least 6 feet apart at all times. Guests should avoid direct contact, including handshakes and hugs, with others not from their household.
Host outdoor rather than indoor gatherings as much as possible. Even outdoors, require guests to wear masks when not eating or drinking.
Avoid holding gatherings in crowded, poorly ventilated spaces with persons who are not in your household.
Increase ventilation by opening windows and doors to the extent that is safe and feasible based on the weather, or by placing central air and heating on continuous circulation.
Require guests to wear masks. At gatherings that include persons of different households, everyone should always wear a mask that covers both the mouth and nose, except when eating or drinking. It is also important to stay at least 6 feet away from people who are not in your household at all times.
Encourage guests to avoid singing or shouting, especially indoors. Keep music levels down so people don’t have to shout or speak loudly to be heard.
Encourage attendees to wash their hands often with soap and water for at least 20 seconds. If soap and water are not readily available, use hand sanitizer that contains at least 60% alcohol.
Provide and/or encourage attendees to bring supplies to help everyone to stay healthy. These include extra masks (do not share or swap with others), hand sanitizer that contains at least 60% alcohol, and tissues. Stock bathrooms with enough hand soap and single use towels.
Limit contact with commonly touched surfaces or shared items, such as serving utensils.
Clean and disinfect commonly touched surfaces and any shared items between use when feasible. Use EPA-approved disinfectants.

For full article details, visit:

https://www.cdc.gov/coronavirus/2019-ncov/daily-life-coping/holidays.html

Crawford Benefits

Spring Reset

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Do You Need Medicare If You're Still Working at 65?

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Spring Into Health: Why March Is the Perfect Time to Understand Your Coverage

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How to Properly Access and Use Your Health Plan Portal

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Making the Most of Your Health Plans Fitness Benefits

Heart Health Month

How Life Events Can Qualify You for Special Enrollment

October 2025 Newsletter

Enrollment Season, Health Literacy, and More!

Enrollment Season Is Here

Helpful Links!

Health Literacy: Terms to Know and Understanding Them ﻿

What's Changing in 2026:

Key Updates

Important Dates:

We offer Notary Services!

What’s Changing in 2026: Key Updates

Health Literacy - Terms to Know & Understanding Them!

September 2025 Newsletter

Enrollment Season, New Team Members, and More!

We're So Excited For You To Meet Riley!

Marketing Cards Have Been Mailed!

Helpful Links!

Estate Planning, Important Documents, and More with

Brad Coppedge!

September Is Blood Cancer Awareness Month!

World Environmental Health Day - September 25

Important Dates:

We offer Notary Services!

Blood Cancer Awareness Month

Easy Ways to Lower Your Carbon Footprint

Easy Ways to Lower Your Carbon Footprint

Why Life Insurance Matters When You Are Parents

The Financial Impact of Losing a Parent

Paying for Daily Needs and Long-Term Stability

Your Children’s Future Still Matters

Protecting Against the Loss of a Non-Working Parent

Exploring Types of Life Insurance for Families

Term Life Insurance

Whole Life and Universal Life Insurance

Deciding How Much Coverage to Purchase

Choosing Beneficiaries and Planning Ahead

Life Insurance Is More Affordable Than Most Expect

When to Buy Life Insurance

Life Insurance Brings Peace of Mind

Final Thoughts

Welcome Back to School: Staying Healthy as the New School Year Begins

1. Practice Good Hand Hygiene

2. Keep Up with Routine Checkups

3. Teach Cough & Sneeze Etiquette

4. Reinforce Healthy Habits at Home

5. Don’t Send Sick Kids to School

6. Keep Personal Items Personal

7. Mental Health Matters Too

August 2025 Newsletter

Sunshine, Fresh Starts, and Mid-Year Motivation

Mark Your Calendar: Client Appreciation Day - September 12

Back to School Health Tips:

What to Know Before the Bell Rings

Why Life Insurance Matters When You’re a Parent

Marketplace Changes Coming in 2026

Marketing Cards Mailing Soon!

Important Dates:

We’re Here for You

What’s Changing in 2026: A Consumer’s Guide to Marketplace & State-Based Health Insurance

Loss of Enhanced Premium Tax Credits

Stricter Enrollment & Eligibility Rules

Changes for DACA Recipients

End of APTC Repayment Caps

Revised Open Enrollment Period

Expanded Access to Health Savings Accounts (HSAs)

Updated Cost-Sharing Limits

How These Changes Affect You

What You Can Do to Prepare

Looking Ahead

Health Literacy: Terms to Know and Understanding Them