March 2026 Newsletter

March 13, 2026

Know Your Health Insurance Lingo: 5 Key Terms You Shouldn't Ignore

FHealth insurance can feel like learning a new language, but understanding a few key terms can make a huge difference when it comes to using and choosing your benefits wisely (and avoiding surprise costs). Here's a quick cheat sheet:

  • Deductible- This is the amount you pay out-of-pocket for healthcare services before your insurance shares in costs. Example: If your deductible is $1,500, you pay the first $1,500 in medical bills before your plan starts sharing the cost. Some services may be covered before deductible such as preventative care. 
  • Copay- A flat fee you pay upfront for certain services, like $25 for a doctor’s visit or $10 for a prescription. Copays don't count toward your deductible.
  • Coinsurance- Once you’ve met your deductible, you may still pay a percentage of the bill, called coinsurance. For example, if your plan has 20% coinsurance, you pay 20% of the cost and your plan pays the other 80% until you reach your out of pocket maximum. 
  • Out-of-Pocket Maximum- This is your safety net! Once you’ve paid this total amount for the year (including deductibles, copays, and coinsurance for ACA plans), your plan covers 100% of eligible costs for the rest of the year.
  • In-Network vs. Out-of-Network- Going “in-network” means you’re using providers who have a contract with your insurance carrier, meaning lower costs for you. “Out-of-network” doctors or facilities can cost much more, and may not be covered at all.


March 19 is International Clients Day!

We couldn’t let the month go by without saying thank you to our amazing clients. Your trust means everything to us, and we’re proud to be your go-to resource for questions, guidance, and coverage you can count on. We’re always here when you need us! 




Help Welcome

Tatum Wilder Lovelace!

Help us welcome the newest addition to the Crawford Benefits family. Taylor and her husband, Logan, became parents to Tatum Wilder in February. They are enjoying this exciting new chapter and soaking up all the newborn snuggles (so are Grandma and Grandpa)! The Crawford Benefits team is thrilled to celebrate this special time for this sweet family and welcome Tatum to the team, as well.

      Office Closure Dates:


  • April 3
  • Good Friday
  • May 25
  • Memorial Day

Important Dates to Remember:

  • January 1 - March 31
  • Open Enrollment for Medicare Advantage Plans Only
  • Existing Advantage Plans Only 
  • March 31
  • Over the Counter Q1 Deadline (MAPD ONLY)





Spring Into Health

Spring is finally here and with it comes a sense of renewal. As the days grow longer and routines begin to shift, March is the perfect time to refocus on your health. While many people think about insurance only during enrollment season, understanding your coverage is something that benefits you all year long. A quick spring check-in can help you avoid surprises, close coverage gaps, and step into the new season feeling confident and prepared. 



Spring Into Health

Your health plan’s online portal is one of the easiest ways to manage your healthcare, yet many people don’t realize how much it can do. From reviewing benefits and finding in network providers to checking claims and accessing digital ID cards, the portal puts important information at your fingertips.

Taking a few minutes to set up and explore your account can save time, reduce frustration, and help you better understand your coverage before you need care. It is a simple step that can make managing your health feel much more manageable.

Read the full blog to learn how to access your portal, navigate key features, and make the most of the tools available to you. 



From the Kitchen Of Crawford Benefits



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!

April 2026 Newsletter

April 15, 2026
Navigating Health Insurance Through Life's Twists and Turns! From saying “I do” to handling an ER visit, life can come at you fast and your health insurance needs to keep up. This month, we break down how major life events affect your coverage, what steps to take after a medical emergency, and the important deadlines you’ll want to mark on your calendar. We’re also throwing in some health insurance basics to keep you in the know.

Spring Reset

April 9, 2026
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.