April Clark Health Insurance Agent

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If you're frustrated with insurance right now, I get it. Many people are looking for alternatives.

But be careful. There's a new plan using CignaPPO that sounds great until you read the fine print. Zero coverage for hospitalization, surgery, or emergency room visits. Zero.

That's not good health insurance coverage. That's a disaster waiting to happen.

Before you switch, make sure you understand what's being covered. Not all plans are created equal, and some are straight-up traps designed to look affordable until you truly need them.

I'll review your current coverage or any plan you're considering for free. Five minutes could save you from a massive mistake.

You want to know something outrageous that I see happen way too often to educators? Adding your spouse to your teacher insurance can increase costs by $700 to $1,000 every month.

For one person.

Most teachers don't realize their spouse can get a separate plan that costs them much less and offers better coverage. You stay on the district plan, your spouse gets their own, and you stop wasting money you could be saving every month.

If you're paying family rates just to cover you and your spouse, you're almost definitely overpaying.

Let me run the numbers and show you what you could be saving.

It shouldn't. In today's healthcare environment, you have to learn how advocate for yourself -- and getting another opinion is sometimes part of that advocacy.

Will getting a second opinion upset your doctor? Plus: Will your insurance cover a second opinion?

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